davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (PA)

I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under Status : Charged off, past due amount : {$300.00}. 

An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. 

A collection account opened at XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. 

A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. 

A collection account opened at XXXX XXXX Bank for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. 

A secured loan account opened at XXXX XXXX Bank on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. 

A collection account opened at XXXX XXXX  on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. 

An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. 

A collection account opened at XXXX  on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. 

These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. 

I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Consumer complaint received 2024-07-25
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

ON XX/XX/XXXX I CALLED EXPERIAN TO DISCUSS A NEGATIVE ACCOUNT FROM STATE OF MD XXXX XXXX XXXX  XXXX. THIS WAS DISPUTED IN XX/XX/XXXX AND THE OUTCOME WAS IT WAS REMOVED BY XX/XX/XXXX.THE CREDIT BUREAU REFUSED TO HELP ME AND SAID IT HAD TO BE RE DISPUTED AND NO REMOVAL OF ANY KIND WAS DONE ON THEIR END. I HAVE THE REPORT WITH THE DISPUTE ON MY CREDIT REPORT I WILL FORWARD IN A PDF FILE. AND I ALSO HAVE THE REPORT WITH THE REMOVAL IN PDF. I PAY MONTHLY FOR MY FICO AND NOTICED ON XXXX/XXXX/XXXX REPORT EXPERIAN ADDED A DELETED ACCOUNT BACK WITHOUT SENDING ME THE 5 DAY INSERTION LETTER. I DISCUSSED THIS WITH XXXX AT EXPERIAN ON XX/XX/XXXX AFTER SEVERAL ATTEMPTS TO DISPUTE ONLINE FAILED. HE REFUSED TO DEAL WITH THE ISSUE AND AFTER READING THE VIOLATION HE REFUSED TO ACCOUNT FOR THE STATUS AND ENDED THE CALL. I HAVE ALSO SENT A 5 DAY REINSERTION LETTER TO EXPERIAN. I HAVE ALSO INCLUDED THE VIOLATION THEY VIOLATED 15 u.s. Code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii )
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

I paid this debt years ago and will not pay anymore. Like everything the government touches they screwed this up too. Garnish my wages or whatever the XXXX you want to do. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX 2. Please remove this information from my credit report XXXX XXXX Account Number XXXX 3. Please remove this information from my credit report XXXX XXXX bankruptcy discharged Account Number XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (AL)

Date opened XX/XX/XXXX, XXXX Due to financial hardship payments were late. XXXX, XXXX Total amount XXXX. Past due amount XXXX. I have XXXX missed payments. Company will not delete off credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NY)

XXXX, XXXX and XXXX are furnishings and continue to furnish inaccuracies on my credit report after repeated disputes. The agencies would say that inaccuracies are verified. How did they do this verification process? For example XXXX XXXX has account charged off which is written off so it is considered income which should not be reporting on my credit report and have not received copy B of 1099 for tax purposes. Late payments are also experience I have with the company and should not be reporting, no such thing as late payment. Navy Federal Credit Union has a few accounts on my credit report with inaccuraciesas well. Charge off account written off which is considered income and should not be reporting on my credit report. I have not received any copy B 's of 1099s for tax purposes. XXXX XXXX reporting late payments as well which are the experiences and transactions between me and the company, so there should be no late payments. There is a collection account on my report from a third part in which I do not have a contract with. How is this company furnishing my information without my consent and they have to right to do so.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I was scammed after I tried to call the XXXX customer service line on XX/XX/XXXX after receiving an email telling me my account, which I thought I deleted years ago, was hacked. I called, and a person picked up. They told me that my IP address had been compromised because the hackers from XXXX were using cryptocurrency and in order to track them down and remove the flags on my account they needed me to follow their steps. When proceeding with the steps they remotely began recording my screen, and received my Venmo information, their transfer went to my brother and then back to my account which they seem to have taken afterward. They then made me move over to my PayPal account. After losing a total of {$1500.00} through their scam, I realized it was a scam and reported to Venmo and Paypal what had happened. Paypal had not approved the transfers, so nothing happened there and no issue/claim was filed because I still had the money, but Venmo took a claim on XX/XX/XXXX for the transfers that are still pending on my account. I looked up similar issues people have had online, and people list that they hack into XXXX and rig the accounts, and then when you call XXXX 's helpline they hack in and pretend to be assisting you. I also filed a claim with XXXX after purchasing two gift cards for {$400.00} and {$500.00} dollars after their instruction in order to " lay a trap for the hackers to use the gift card numbers '' but " a credit line would be issued to me within 24 hours to refund the money so that I wouldn't be getting charged. '' It's very recent after my claims so I'm not sure if I will be refunded, but I figured I'd better fill this out in case.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I am writing to formally submit a complaint against ChexSystems , Inc. regarding inaccurate reporting on my consumer report. I have a closed account labeled as " ACCOUNT ABUSE '' with a balance of {$0.00}. Despite my efforts to dispute this entry, ChexSystems has failed to provide sufficient documentation to prove that this account is mine. 

I believe that ChexSystems is violating my rights under the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure maximum accuracy in their reports. Additionally, their lack of response to my requests for verification violates the Consumer Financial Protection Act, which mandates that consumers have access to accurate information and the right to dispute inaccuracies. 

I have made multiple requests to ChexSystems for the following documentation : Verification that I opened the account in question. 
Any transaction history related to the account. 
Evidence supporting the claim of " ACCOUNT ABUSE. '' To date, I have not received any of this information, nor has the inaccurate entry been removed from my report. This situation is causing significant distress and may negatively impact my ability to open new banking accounts. 

I kindly request that the CFPB investigate this matter and assist in resolving the inaccuracies reported by ChexSystems. I appreciate your attention to this issue and look forward to your response. 

Thank you for your help.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Moore Law Group (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX Email : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX To Whom It May Concern, I am writing to file a formal complaint against an individual named XXXX XXXX XXXX who falsely represented himself as an attorney while attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692e, which prohibits deceptive or misleading representations by debt collectors. 

Summary of Events : On XX/XX/year>, I was contacted via email by XXXX XXXX, who claimed to be an attorney representing XXXX XXXX XXXX XXXX in connection with an account allegedly held under my name ( XXXX XXXX XXXX XXXX ). 
During our correspondence, I questioned XXXX XXXX claim, and he reaffirmed that he was indeed an attorney. Based on this assertion, I provided personal information pertinent to the matter at hand. 
However, XXXX XXXX later failed to provide any contact information for XXXX representatives, which raised a red flag. I then requested XXXX XXXX XXXX ID number to verify his credentials. 
Upon requesting this verification, XXXX XXXX immediately ceased communication, further indicating that he had been misrepresenting himself as an attorney. 
XXXX XXXX appears to be an employee of The Moore Law Group, A Professional Corporation, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Their contact number is ( XXXX ) XXXX. 

Violation of the FDCPA : In accordance with 15 U.S. Code 1692e ( 3 ), a debt collector may not falsely imply or claim to be an attorney, or that communication is coming from an attorney. This was clearly violated in this case as XXXX XXXX falsely represented himself as an attorney with the intention of deceiving me. Such deceptive behavior is also covered under 15 U.S. Code 1692k, which holds individuals accountable for willful violations of the act. 

I have retained the email thread as proof of this misrepresentation and can provide it upon request. 

I respectfully request the CFPB to investigate this matter and take appropriate actions against XXXX XXXX, The Moore Law Group, and any associated parties, including XXXX, XXXX, if they are complicit in employing deceptive practices for debt collection. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response and action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (NY)

I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT
Consumer complaint received 2024-07-25
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. (ND)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-25
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
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. (CA)

I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.
Consumer complaint received 2024-07-25
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I AM ID THEFT AND MY XXXX  XXXX DID NOT NOTIFY ME OF ALL TH EINQUIRES AND KNOWLEDGE OFF MY PERSONAL INFO BEING USED OVER AND OVER. SET UP NEW ACCOUNT ONLYUY TO HAVE THAT ONE HACKED ONLINE. I ASKED TO TAKE ONLINE APP DOWN BUT DIDNT AND ALSIO DID NOT CHANGE EMAIL ADDRESS THAT WAS COMPRIMISED AND WAS LEFT ON ACCOUNT AND I RECIEVED DOCUMENTS ARBRITRATION BUT PART IOF LETTER PARAGRAPHS WERE EARSED AND NO EXPLAINION. I JUST WANT TO FEEL SECURE AND TO HAVE ANY AGENCY PLEASE HELP ME IN GETTING SAFELY BACK ONLINE AND TO STOP BEING Hacked and compromised as its getting to me and i want to feel protected as now i keep everything here and want all communication mailed like old way and its a shame and i want to know what is going on and help to fix the errors and to secure my account. I HAVE TO GO INSIDE THE BRANCH EVERYTIME AND I GET TREATED AS A PAIN IN THE WOOOHAA AND I AM THE VICTIM AND MY TIME IS NOW ONLY SPENT DOING DAMAGE CONTROL AND MY BANK SHOULD OF ALERTED ME WHEN IT STARTED BACK IN XXXX  ALL THE INQUIRES MADE TO THE SAME PLACE OR MANY TIMES OVER SHOULD OF BEEN NOTIFIED SO I COULD OF GOT TO IT SOONER. I HAVE NOTHING NOW AND STARTING OVER WITH A SON AND I HAVE HEALTH ISSUES AT THE MOMENT I NEED TO CARE FOR AS WELL. NO HELP OR ASSISTANCE OR KINDNESS FROM MY FINACIAKL INSTITUE WHEN I NEEDED THEM THE MOST.
Consumer complaint received 2020-05-15
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: BANK OF THE WEST (MN)

I used my Bank of the West MasterCard and purchased 2 tickets to a concert from XXXX. The XX/XX/XXXX concert was cancelled due to covid. XXXX says the concert is not cancelled but postponed so they won't refund the ticket price plus fees. 

I contested the charges of {$120.00} and {$4.00} that posted XX/XX/XXXX on my Bank of the West statement due to " Service not Rendered ''. I received a letter from Bank of the West denying the reversal of charges with them stating that they are not responsible for misrepresentations made by merchants which I choose to due business with. Is this not the definition of " Service not Rendered ''? 

Bank of the West ends the letter with " This is not a bank issue ''. 

The Case ID is XXXX