davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.
Consumer complaint received 2024-03-29
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

To Whom It May Concern : I am a XXXXXXXX veteran and run a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all XXXX major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXXXXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXXXXXX XXXX XXXX  1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account XXXX Please investigate the following accounts and remove them from my credit reports Account Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-04-19
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. (DC)

XXXX XX/XX/2023 I sent certificate letter to credit companies About XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

accordance with the fair credit act XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX this loan company 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 my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE report
Consumer complaint received 2023-02-16
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. (VA)

LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (PA)

I initially decided to go on XXXX to look for a hotel on XX/XX/23. I have found XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. I was using XXXX it took me to this parking lot where it wasn't XXXX XXXX XXXX XXXX. I called the hotel but wasn't able to reach the hotel I contacted XXXX and they weren't able to reach the hotel. So I asked them what would be the resolution because XXXX can't contact me and I can't find or contact the hotel. XXXX recommended that we cancel but with a penalty. I said I didn't agree with the penalty but I believe that I should cancel or get a refund because neither you nor I could contact the hotel to find the location. Then I contacted Goldman Sachs from experience they have never resolved any issues with anything before and I doubt that they would help but I am trying my best to get these companies looked at by the government and help me resolve the issue so I can recover my money back of {$160.00} because I don't believe that they were in the right of protection the customer. I believe that they have committed fraud activity because they have failed to protect the service that they provide and sell and when contacted by the customer to try to resolve the issue they weren't able to resolve it and still took payment from XXXX and XXXX XXXX XXXX hotel. When provided evidence I have never agreed to the penalty stated by Goldman Sachs. I do understand that this is a nonrefundable transaction but what do you want the customers to do if they can't find the services and XXXX is unable to contact the company or provide the services that it's advertising? In another sense, this could be called scamming or fraudulent transactions because the services weren't able to be provided. The documents that I provided clearly states that XXXX wasn't able to contact the hotel. I been trying to fight this for months now and it's not going anywhere. The companies involved is Goldman Sachs, XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-29
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)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I have recently been informed that there is negative information reported by XXXX XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$910.00}. *Please note this account has been removed from my XXXX credit file* I challenge the accuracy, compliance and reportability of this listing. 
XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (AZ)

I had a checking account with XXXXXXXX XXXX in XXXX. The account was closed in XX/XX/2016 with a {$0.00} balance. I began receiving notices from LJ Ross & Associates, XXXX XXXX XXXX, XXXX, MI XXXX shortly thereafter claiming I owed {$760.00}. I never had an account with this company. I have sent letters repeatedly to this company for several years with no response. This company has been harassing me for over 8 years in vio

lation of The Fair Debt Collections Practices Act. I would like to have punitive action taken against this collections company.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-24
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went on the Unemployment website and it says I have benefits that have been paid I then logged into the Bank Of America EDD card website and the card has been used and has unauthorized transactions I've tried to contact them and resolve this major issue with no help at all I've requested a new card after speaking with someone from unemployment and her letting me know the money has been sent to a card and the card was activated. This goes all the way back to XXXX of XXXX!
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

I've contacted XXXX and filed multiple disputes with the same to have the information contained on my credit report to be corrected and updated to reflect the current status of the accounts in error. Each time I receive the same reply, stating the information has been verified. Obviously the information has not been verified through verbal communication. The accounts in question were last updated on XX/XX/2023. I've been in contact with the Dept. of Ed/Nelnet. In my conversation with a representative they have verified that the information reporting on my credit report is not correct ; nonetheless, they were unable to provide me with a resolution to correcting the reporting problem other than filing a complaint. The recent balances that are reporting on my credit report should show that the referenced accounts and associated balances have been Transferred and closed over 120 days ago.
Consumer complaint received 2024-02-28
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. (IL)

I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumers name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I have been trying to get a correct payment amount for my student loans on the XXXX plan. I have submitted XXXX Income Driven Repayment ( XXXX ) plan requests to MOHELA, none of which have been processed/calculated correctly. I login to see the payment amount is {$370.00} a month when every estimate I've received from StudentAid.gov and from MOHELA themselves estimates me at about $ XXXX a month. I call to ask why this continues to be an issue and the front-line customer service representatives have no clue and just submit a new XXXX application for me which continues to be incorrectly processed/calculated. Below are the dates of XXXX applications I've submitted, and their outcomes according to MOHELAs website, all of which have not been calculated incorrectly. 

XXXX XX/XX/2023 Cancelled XXXX XX/XX/2023 Approved ( Provided more in-depth income info from tax returns and amount still incorrect ) XXXX XX/XX/2023 Canceled XXXX XX/XX/2023 Denied XXXX XX/XX/2023 Canceled XXXX XX/XX/2023 Approved ( switched from XXXX plan XXXX SAVE plan, but amount incorrect ) XXXX XX/XX/2023 Denied I have submitted these applications a variety of ways. I have submitted them via XXXX, via self-service portal on MOHELAs website, and over the phone with a customer service XXXX None of these methods produced different results which leads me to believe that the teams that process these applications are doing them incorrectly. 

My issue is threefold - XXXX ) I need a payment I can afford and I can not spend the HOURS it takes to wait on the phone for MOHELA because assumingly thousands of others are experiencing similar issues XXXX ) When I do get someone on the phone they are untrained, unaware, and unhelpful. Most are totally unaware of the different provisions of the program I am applying to ( SAVE program allows for married couples filing separately to NOT include their spouse 's income, which most reps were surprised by or flat out told me I was wrong ) XXXX ) StudentAid.gov and MOHELAS OWN CALCUALTOR ON THEIR WEBSITE say I should be paying a MUCH smaller amount than I am, yet every time it is processed the amount is VASTLY incorrect. Are the estimates provided by XXXX ( operated by XXXX of XXXX who own my debt ) and MOHELAs incorrect? That is a major issue if so. If they are correct, what calculations are being done behind the scenes to lead to such discrepancies? I could understand if my estimate was {$20.00} a month and it ended up being {$50.00} that is reasonable. {$370.00} a month isn't a rounding error, that is a fundamental miscalculation.
Consumer complaint received 2023-08-30
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.