davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
Fraudulent Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit Crard Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, FL XXXX There are XXXX companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX
Consumer complaint received 2023-10-02
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. (CA)

I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous XXXX Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous XXXX Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : Miscellaneous
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you XXXX bless
Consumer complaint received 2023-10-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

Attached hereto are exhibits irrefutable evidence of facts showing forth both agencies acts of civil conspiracy, consumer law violations, abusive and fraudulent debt collection practices, failure to rebut consumer XXXX XXXX affidavit of truth within applicable reasonable timeframe, and said consumers attempts to exhaust all legal remedies prior to litigation. 


Consumer XXXX XXXX is aware that NCSI has recently already been penalized by CFPB for participating in such abusive debt collection activities.
Consumer complaint received 2024-04-04
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. (PA)

I am not liable for this debt I have attached below I do not have a contract with these companies they have not provided me with no original contracts as I requested. please help me get this removed to ensure the correction of my credit report.
Consumer complaint received 2023-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (FL)

I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NC)

Resurgent Capital and LVNV funding llc have ignored my requests to cease and desist all communication. I have sent debt validation letters and until validate debt and method of validation to stop and cease all communication, they sent emails and i have informed them to stop they have ignored all request to cease and desist. they are constantly violating the fcra laws for abusive practices and blatantly harassing me. i am receiving constant letters, emails and phone calls after i have repeatedly informed them to cease. this is over a XXXX or more fine in violation. since violated and can not validate method or debt please remove from credit reporting and STOP ALL COMMUNICATION
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I called a my loan that was sold to Westlake financial. I was told they didnt have my contact bug I owe XXXX on a XXXX XXXX been paying {$480.00} since XXXX.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2023, I was experiencing problems with my XXXX XXXX. I did a XXXX search to obtain the telephone number for XXXX support, and was provided this number ( XXXX. I called the number, and spoke with someone, who said that he was a member of XXXX XXXX. During the course of our conversation, I was told that my XXXX were still under warranty, and that I would be receiving a replacement in the mail at no cost. 

In order to verify my address and identity, I was asked to provide a credit card for that purpose. My credit card was not available at the time, so I was asked if I had Cash App XXXX XXXXXXXX. Even though I was repeatedly told that no money would be withdrawal from my account during the verification process, the person pretending to be an XXXX employee manipulated me into making the following fraudulent transactions : {$1400.00} unauthorized withdrawal from my XXXX XXXX XXXX XXXX account. 
{$410.00} unauthorized withdrawal from my Cash App account ( see attachments ). 

Under the circumstances, I had no reason to believe that the person I called was not an XXXX employee, and as a result, I was manipulated into using my Cash App to make the above mentioned fraudulent transactions. I filed a dispute with XXXX regarding the {$1400.00} unauthorized transaction, which is currently under investigation ( see the attached XXXX emails ). 

With regard to the {$410.00}, I am requesting that the Consumer Financial Protection Bureau investigate the {$410.00} dispute with Cash App and take appropriate actions. In accordance with the Electronic Fund Transfer Act, the transaction was fraudulent, and therefore unauthorized. The relief sought is that Cash App credit my Cash App  account in the sum of {$410.00}, the amount of the fraudulent transaction. For questions or additional information, I can be reached at ( XXXX ) XXXX.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IL)

My {$4900.00} in the CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. My phone # is XXXXSee the attached response from FDIC.
Consumer complaint received 2023-09-12
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (NY)

I'm trying to pay my Apple Credit Card ( issued by Goldman Sachs ) with my Apple XXXX account ( held by Goldman Sachs ). 

Payments from Apple XXXX to Apple Credit card consistently fail the following day. Neither Apple Card support nor Apple Credit support teams are able to help. I've opened 4 separate support calls/chats and each time I'm either told to " try again '' or " it's a known issue ''.
Consumer complaint received 2023-10-02
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. (MI)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (SC)

I cash ( XXXX XXXX  ) app 'd myself {$200.00} to my personal bank account. When trying to obtain a cash app card. I put a mailing address as well as my ssn, date of birth and the name I want on the card. I got a message about incorrect information but only asked again for my ssn, dob and name on the card and this is after doing a bank verification through the app. They turned around and closed the account with no specific information as to what was violated on a brand new account with only 3 inquiries on it. I called and spoke with 4 reps and for whatever reason I got a very generic response and then hung up on. I actually spoke with 5 people the last person stated that the account was not verified which is confusing cause in order to cash put to my bank I have to verify it and I also have the email and text msg for the code.

I have more than one email. This cash app is attached to XXXX with a permanent email of XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I signed up for in-store rewards at Khols in XXXX, Tn. I did not sign up for a credit card and did not approve of a credit check. Khols ran a credit check on me and it dropped my credit score 30 points in one day while my wife and I are in the process of trying to buy a home.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (NC)

The company Radius Global Solutions has been calling me for years asking to speak to someone I do not, nor have ever known. I called them a few times and advised them I am not who they are looking for and am always told they will remove my number from their list. That never happens. I have their number blocked but they still call everyday. Today they sent me a text. I have never agreed to receive text messages from the company and believe it's in violation of the TCPA. 
Please see attached screenshots showing the call history and the text message I received. 
.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Greetings, on XXXX XXXX, 2022, I was approached by a company that has been offering investment opportunities. They will guarantee my investment and that their company XXXX and changelly will secure my money. I never made the investment until the XXXX of XXXX for {$500.00} then she came back saying that if i can afford more money my profit will grow drastically so i told her that i dont have any more money so i invested an extra {$200.00}. The profit will be ready in XXXX XXXX 2022 and that my money will be available for immediate deposit to my bank account. On XX/XX/XXXX. When it was time for me to receive my funds, she texted me and said that i need to pay the XXXX XXXX of the amount of {$1400.00} dollars in other to receive my funds but was never told that at the beginning she said i had to pay the XXXX XXXX once my funds get deposited in to my bank account. Now I sent the {$1400.00} to the company XXXX and then I received another email saying that my money has a transaction fee of {$850.00} to pay in order for me to receive the funding to my account, so I kept talking back and forth with XXXX XXXX XXXX who is supposedly was and is my broker and she says that i need to send the money in order for me to get the funds deposited. So, I never sent the payment and told her that I will file a police report and so on. I file a claim with the FBI internet crime complaint center. I also filed a dispute with my bank, XXXX XXXX XXXX, which has now refused to send me a new debit card, and I am not at home ; we are currently in XXXX for my wife 's XXXX XXXX XXXX that ; she will be starting on XX/XX/XXXX. At the XXXX XXXX. In all they stole from me {$2100.00}
Consumer complaint received 2023-02-15
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. (PA)

On XX/XX/23 my bank card and phone were stolen. 11 purchases were made by someone ( not myself ). I IMMEDIATELY reported my card stolen and disputed the charges within the 2 days spelled out in cash apps terms of service. I should have been liable for nothing.

However, within 48 hours my dispute was denied. They claim I am entitled to documentation used to determine their dispute denial. It has now been weeks and weeks of requesting and cash app has provided me with NO documentation.

They respond to my complaints with no details about how they determined this " not theft '' and promises that I can request documentation, however they ignore every single request for documentation.
Consumer complaint received 2023-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX paid from escrow for county tax XXXX, XXXX   : I received a notice from county that my taxes have not been paid XXXX, XXXX   : I contacted my mortgage company who said " not to worry, it would be taken care of '' I asked for something in writing, but they said that could not do that. 
XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid form escrow for county tax ( AGAIN ) XXXX  XXXX  XXXX  paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax ( AGAIN ) Through these months, regularly contacted to company, who assured me that it would be straightened out, even though they kept sending me notices of a shortage and that my mortgage payment would be going up. They are STILL sending me notices. The county tells me that they sent a check on XX/XX/XXXX  forXXXX ( check # XXXX ) to the mortgage company, actually their agent XXXX XXXX. I do not owe them any extra money.