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. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX XXXX  account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1200.00}, which exceeds the original credit limit of {$900.00}, reflecting a utilization rate of 136 %, even though the account is listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX XXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$1200.00}, since the account was closed and charged off on XX/XX/year>. Reporting a balance as past due after a charge-off is inaccurate and should be corrected under FCRA 15 U.S.C. 1681i. The worst payment status listed as Charge-off, along with inconsistent payment history, violates FCRA 15 U.S.C. 1681c and must be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

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. 

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-05
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. (NC)

I send Experian my written letter asking them two re-investigate and validate that these accounts were 100 % accurate and how these accounts were verified never send me this information only send me something thru Experian all I see is account was verified, updated, are remains.EXPERIAN is violating my rights under 15USC 1681 I am seeking {$1000.00} per violation per violation Damages your company is causing me 1.Defamation of Character 2.Negligence Non- Compliance 3 Civil Liability 4.Mental Anquish 5.Fair Credit Reporting Act 15USC 1681. 
I have been asking for these accounts be re-investigate for over 2yrs and just recently in XXXX and Experian keep not responding with my Requests
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, my husband was alerted through his US bank app that a check was cashed from our account for the amount of {$500.00}. He immediately asked me if I had written a check for {$500.00}, which I did not. I had written a check for {$50.00} on XX/XX/XXXX and put it in my mailbox addressed to XXXX XXXX XXXX XXXX. We were able to obtain a picture of the cashed check through the app, which had clearly been altered to reflect a different amount and payee. Immediately upon opening that morning, my husband went to a branch of US bank and froze our account. He then opened a new account and moved as many things over as possible to ensure our money was protected. He filled out a customer statement and affidavit in person on XX/XX/XXXX. We also filed a police report with the XXXX Police Department on the same day. 

Since then, my husband and I have called at least 10 times to get updates on the status of our claim. We have been told that it takes time and to be patient. ALL communication has been driven exclusively on our part, though we are the victims in this situation. At one point we found out that the forged check was cashed at a different branch of US bank. Today ( XX/XX/XXXX, nearly a full month later ), I was told on a call that I initiated that I ( XXXX XXXX ) needed to fill out the same paperwork that my husband filled out on XX/XX/XXXX. This was not communicated by anyone at US bank, and would not have been communicated at all if I had not initiated the phone call. 

We are privileged to be in a position where we do not live paycheck to paycheck. We were able to make our payments last month without the {$500.00} that was stolen from our account. However, I am very frustrated and unhappy with the lack of communication and service that US Bank has offered during this time. I am concerned that I am doing all of the legwork and that no one seems to be doing anything to remedy this egregious error. 


I am not attaching any documents as they contain our personal banking information.
Consumer complaint received 2024-09-05
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc. (OH)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Square , Inc. regarding ongoing unauthorized charges to my account despite the deactivation of my services with the company. 

On XX/XX/year>, I received an email from Squares Account Services team informing me that my account had been deactivated and that they would no longer be able to process payments for my business. Since that date, I have not been able to access any of Squares services, yet Square has continued to charge my bank account {$150.00} every month for services I can not use. 

These charges have included services such as Square for Restaurants Plus, Square Online Plus Plan, Square Loyalty, and Square Text Message Marketing, none of which I have been able to access since the deactivation of my account. Despite contacting Square, I have not been able to resolve the issue, and I am now seeking your assistance to recover the funds that were wrongly charged. 

I believe that Square has acted unfairly by continuing to charge me for services after deactivating my account. As a consumer, I feel that I have been treated unjustly and would appreciate the CFPBs intervention to ensure that Square refunds the full amount charged to me from XX/XX/year>, to the present. 

Please let me know if you require any additional information or documentation. I am hopeful that your assistance will help resolve this matter quickly and fairly. 

Thank you for your time and attention to this complain
Consumer complaint received 2024-09-05
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)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX HARD INQUIRIES : INQUIRY NAME : XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY NAME XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX NAME : PXXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX
Consumer complaint received 2024-10-21
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: SYNCHRONY FINANCIAL (MD)

XX/XX/XXXX and XX/XX/XXXX unauthorized purchases were made and immediately reported. Synchrony claimed that XXXX told them I DID make those purchases. Hence, I called XXXX and they denied this. So much in fact, that I had XXXX on speaker on my phone and synchrony on speaker on husbands phone. XXXX, with synchrony loss prevention was to verify this and she didnt because synchrony added the charges to the following months statement. Every month I deal with this. Hours on the phone! XXXX insists they are NOT telling synchrony I made the purchases. Ive repeatedly requested to see the proof and synchrony withholds ( or is lying and doesnt have anything ).
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit report concerning late payments for my loan account, which was recently closed as of XX/XX/XXXX. The reported late payments in XXXX ( XXXX through XXXX ) and XXXX ( XXXX, XXXX, XXXX, and XXXX ) do not accurately reflect the circumstances that led to these delays, nor do they align with consumer protection laws. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were, in fact, late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL ( Paid As Agreed, Never Late ) status according to consumer protection laws.

Under 15 U.S. Code 1666c, creditors are required to ensure that periodic statements containing all relevant payment information must be delivered to consumers at least 21 days before the payment due date. Specifically, the creditor has a legal obligation to : Not treat any payment as late unless the periodic statement is delivered within the proper timeframe as described in Section 1637 ( b ).

Provide a reasonable grace period and clear communication regarding finance charges and deadlines, which ensures no unfair late payment penalties are applied when reasonable procedures have not been followed. 

Given that I caught up on all payments, have a history of more on-time payments than late ones, and paid off the loan early in XX/XX/XXXX, I respectfully request a review and removal of the late payments, as they unfairly represent my overall creditworthiness. 

Additionally, my concern is that in recent months, I have not received any mail or been contacted regarding a grace period, which raises questions about the reasonable procedures expected from creditors. This lack of communication has made it difficult to remain fully informed about my obligations. 

Please verify the accuracy of the reporting based on the above, and kindly update my account to PAANL status in compliance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-05
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. (IL)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
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. (MD)

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX  WITH A REPORTING BALANCE OF {$460.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
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. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  WITH A REPORTING BALANCE OF {$0.00} AND A HIGHEST BALANCE OF {$4100.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
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. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  XXXX, XXXX. WITH A REPORTING BALANCE OF {$430.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-10-23
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. (TX)

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. (IA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following account : XXXX XXXX Account number : XXXX XXXX : {$4900.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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. 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 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

On XX/XX/year>, was my recent request to Portfolio Recovery Associates LLC for proof of the Debt sent by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.