davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am filing a formal complaint against Experian, XXXX, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ) in relation to my dispute concerning a charged-off account from XXXX XXXX XXXX  XXXX Despite my repeated disputes and requests for verification, the credit bureaus have not provided the required verification details, which suggests that the investigations were not conducted reasonably or thoroughly as mandated by law. 

Details of the Account and Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed and Charged Off as Bad Debt Credit Limit : {$300.00} Account Description : Revolving, Monthly Payment Dispute Status : XXXX XXXX Account not disputed Experian : Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX Account not disputed Bureaus ' Failure to Comply with FCRA Requirements : Inadequate Verification and Non-Response : I requested the method of verification from each bureau, as permitted under FCRA Section 611 ( a ) ( 7 ). None of the bureaus provided a clear description of how the disputed information was verified, the specific steps taken, or the identity of the verifying entity.

Lack of Evidence Supporting Verification : The credit bureaus have continually reported the account as " verified '' without providing supporting evidence such as original account statements, creditor correspondence, or any documentation proving the validity of the charges and reporting status. This repeated failure indicates a lack of reasonable investigation as required under the FCRA. 
Inconsistent Reporting and Dispute Handling : XXXX claims the account was " verified '' on XX/XX/XXXX but fails to acknowledge my dispute request and refuses to provide verification proof. 
Experian reports the account as " disputed by the consumer, '' yet no substantial verification details or evidence have been provided to substantiate the reporting. 
XXXX similarly reports the account as verified but closed with a charge-off status, without addressing my verification requests.

Impact of Non-Compliance : The failure to provide proper verification has caused significant damage to my creditworthiness, financial stability, and has resulted in undue stress. This derogatory and unsubstantiated reporting has negatively impacted my ability to obtain credit on favorable terms and has harmed my overall financial reputation.
Consumer complaint received 2023-02-17
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. (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, Account name : TOP LINE # 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 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2023-06-20
Product: Credit card or prepaid 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: Block, Inc. (IL)

Everytime I have an issue with a merchant and dispute the transaction for valid reasons Cash App denys the dispute. Today XX/XX/2023 I contacted Cash app as instructed by the app to do so, I spoke with rep who only confirms that dispute was filed and denied but doesnt provide info as to why. I explained in both instances it was a scam and that no product has been provided as promised and when researched no other information to contact both merchants are listed. I asked if Cash app denied dispute what contact info to these merchants has been provided or confirmed which rep had no clue. I asked to speak with supervisor about the matter which he stated one would contact me by email. I wasnt provided any contact info and no refund of my purchase since my dispute was denied with no indication of how this decision was made,
Consumer complaint received 2024-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I was charged for a total of {$2300.00} for two back-to-back purchases made on XXXX. The tickets were purchased at XXXX, received at XXXX, and then immediately transferred to an unknown email consisting of random characters at XXXX. I have never made a XXXX account. I was able to log into this account that was fraudulently set up, and the phone number that was associated in no way belongs to me or is familiar. Please see attached. 

I received notice at XXXX from Bank of America of fraudulent activity on my card. I immediately cancel my cards and submit a fraud claim. Bank of America did not request any further details.

I was able to cancel one of the ticket purchases on XXXX ( {$1400.00} ), however, the other purchase ( {$900.00} ) was still showing as transferred. The tickets were for a XXXX XXXX concert in XXXX XXXX at XXXX. I have no interest in XXXX XXXX, and my time is accounted for. Can provide text and photograph proof if necessary. 

Additionally, on XX/XX/XXXX, I received a letter in the mail from XXXX  XXXX ( which I had visited XX/XX/XXXX ) which gave notice of a " Security Incident '', informing me of " an event that may involve your payment card information ''. Please see attached.

It took Bank of America a total of 53 days to investigate this claim, and the result of that was that they were unable to approve the claim as " the merchant provided documentation confirming you received the merchandise or service ''. Please see attached.

I do not agree with this conclusion what so ever and I had {$900.00} fraudulently removed from my account. To re-iterate : 1. ) I have never created a XXXX account for myself 2. ) As soon as I received notice that these expensive tickets were purchased -- I attempted to cancel said tickets, my card, and put in a fraud claim.

3. ) The tickets, upon purchase, were immediately transferred to an unfamiliar email address. The phone number associated with the account is also completely unfamiliar.

4. ) During the time the concert was on-going, I was no where near the event space and my time was accounted for.

5. ) I received notice from XXXX  XXXX that they had faced a security incident, and that my payment card information was involved. This is the same card that was fraudulently used in the XXXX purchase.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (LA)

I'm an XXXX XXXX service member currently assigned to XXXX XXXX located in Louisiana. I requested SCRA benefits from SoFi Bank on a personal loan taking out through them. They denied these benefits on the grounds of federal SCRA does not apply to me. I sent my orders to them which assigned me to Louisiana, one of 3 key provision states, which expanded SCRA. They stated that due to them being a national bank this does not apply. I asked SoFi to please look into this matter as I disagreed. They came back saying that they would not and that the matter was final and would not go further.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 2024-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/year> I received threatening letters for Midland Credit Management saying that I have up to XX/XX/year>. Of I don't they will take further action to collect the debt. The debt in question is about XXXX to XXXX XXXX XXXX from XXXX XXXX. They constantly sending me letters for collection and the letters previously states that do to the age of the debt is no longer collectable. In Florida is XXXX years. I no longer want.to receive letters from.them threatening me. I am presently not employed and my husband is XXXX do to a XXXX XXXX. I do which that.they will stop harassment. Would appreciate your help. Thank you
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-19
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. (WA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Account Number/File Number : XXXX XXXX XXXX Amount : {$260.00} Dear Credit Collection Services, I am writing in response to the collection notice dated XX/XX/year>, regarding an alleged debt owed to XXXX XXXX XXXX. I am disputing this debt, and I hereby request that you provide all documentation and verification as required under the Fair Debt Collection Practices Act ( FDCPA ) and relevant New York State laws to substantiate the debt. 

Pursuant to the FDCPA, please provide me with : 1. Validation of Debt : Provide a detailed breakdown of the amount claimed, including the original amount, any interest, fees, or other charges. Additionally, I request copies of the original agreement that created this alleged debt.

2. Proof of Assignment : If this debt has been transferred or assigned to Credit Collection Services, please provide documentation proving your authority to collect on this debt.

3. Payment History : A full account history, including the last statement from XXXX XXXX XXXX, any previous payments, and a record of any adjustments to the balance. 
4. Identity Verification : Please include proof of my responsibility for this debt, such as identifying details that confirm the debt belongs to me.

5. Written Verification from the Original Creditor : As required by law, please provide a signed statement or other proof from XXXX XXXX XXXX verifying the validity of the debt. 

Please consider this a formal request under federal and New York State law. Until you can provide the requested information, I request that any collection activities cease, and that my rights under the FDCPA are fully respected. 

If you are unable to provide sufficient documentation within 30 days, I will consider the debt to be invalid and request that you update all credit reporting agencies accordingly. 

Thank you for your attention to this matter. Please respond to my request in writing at the above address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-19
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. (FL)

Violation of the law by reporting inaccurate information on my consumer report according to FCRA consumer law 15usc1681 ( E ) ( B ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-07-19
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)

Upon checking my credit report I found an account that is reporting without my knowledge or consent. XXXX XXXX XXXX opened XX/XX/year> is a fraudulent account whom i never gave permission to run my credit or furnish my information. This is identity theft and in violation of several of my right including right to privacy and permissible purpose to furnace information. Please be aware that anyone could have stolen my personal information and made an fraudulent account. The account is also furnishing inaccurate information such as address email and phone number.I never did any business with this company nor have I ever heard of this company.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was wondering why I couldn't afford even a slight help from a XXXX  but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX 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 XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-19
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. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Consumer complaint received 2024-07-19
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX