davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (MS)

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. 

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 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 an 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 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Reference Consumer Financial Protection Bureau complaint ID XXXX in which Cash App refused to comply with returning stolen funds from my account. I made ONE LARGE dispute of ALL transactions that were stolen via the phone in 2023. I stayed on the phone for several hours while this dispute was processed. You said you denied it but I got an email last month that you approved it. Yet you only approved {$250.00} of it. There were over {$4000.00} worth of fraudulent transactions. You do not get to deny all of it. Then go back on it and only approve some of it. You are being incredibly indecisive and that is beyond shady. Furthermore, you closed my account and took away my public figure verification when approached about this because your XXXX customer service representative kept copying and pasting and saying that I needed to open a new case when I was asking about an existing case and then because she kept copying and pasting, I told her to stop being lazy and she repeatedly force logged me out of the app. Very unprofessional. Then she took away my blue badge and closed my account. An absolute piece of garbage, as are all your employees because all they do is copy and paste. Its embarrassing. Attached is the email saying you approved the dispute. Now give the rest of the money back and give the account back as you should have in the first place. XXXX.
Consumer complaint received 2024-09-05
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I am filing a formal complaint against Portfolio Recovery Associates , LLC for their continued efforts to pursue a debt that is not mine, despite my documented identity theft and prior reports to the Federal Trade Commission ( FTC ). This debt resulted from unauthorized use of my credit card, which was compromised and leaked on the dark web. 

I filed an identity theft report with the FTC to confirm that the charges in question were fraudulent. Despite this, Portfolio Recovery Associates , LLC proceeded to sue me for this debt, knowing it did not belong to me. The company has already taken me to court, where I presented the identity theft report as evidence. Rather than dropping the case, they have requested a continuance to pursue the matter further. 

Their actions are not only causing me significant stress and financial burden, but they also demonstrate a disregard for the legal protections afforded to identity theft victims. Given the circumstances, Portfolio Recovery Associates , LLC should immediately cease all collection efforts, dismiss the lawsuit, and clear my credit record of this fraudulent debt. 

I am seeking assistance from the CFPB to hold Portfolio Recovery Associates , LLC accountable for these improper collection practices and to ensure that they comply with regulations regarding identity theft and consumer protection. I also request that the CFPB take measures to prevent this company from engaging in similar behavior with other consumers in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-05
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. (FL)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and they must be addressed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to formally request that you block the fraudulent information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and certain information on my credit report was not initiated by me.

The fraudulent accounts or items that I request to be blocked include : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA Section 605B, I demand you block and stop this information from reporting within four business days after receiving this request and the necessary documentation. Please confirm in writing that the fraudulent information has been blocked and will no longer be reported. 
I appreciate your prompt attention to this matter. If you require any additional information, feel free to contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Newman & Marquez, P.A. (FL)

Medical bill for several visits to XXXX  office XXXX XXXX XXXX PA went into collections and now the office that bought this debt is harassing me constantly and increasing amount owned. Original visits to the doctor resulted in using medical insurance and there was deductible collected for each visit .Then few months later comes bill from them that I own additional money that never was communicated at the time of the visit. Very shortly it was obtained by some collection agency ( Newman and Marquez PA ) .I contacted them and writing stating that I am disputing the debt mentioned but ever since they continue harassing me and increasing allegedly owned amount. I need help resolving that. I'm not responsible for the fees and amounts they are trying to collect.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have added these accounts to my bankruptcy and these companies are actively show reporting I owe a balance and by law they are now allowed to do this. Its against the law and I want this company to be held accountable. 
XXXX XXXX XXXX XXXX account number-XXXX XXXX XXXX- account number-XXXXXXXX XXXX XXXX XXXXXXXX  account number-XXXX All are attached to my bankruptcy please verify with the clerk of courts.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NC)

There are 4 companies reporting inaccurate information on my credit report I reached out to all the companies and disputed them with the 3 credit companies. I ask each company for a validation of the debt and never received the information. 


XXXX XXXX XXXX date opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX ( date opened XXXX XXXX XXXX XXXXXXXXI.C systems Inc XXXX date opened XXXX XXXX  {$800.00} XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXXXXXX XXXX {$1700.00}
Consumer complaint received 2024-09-02
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. (FL)

Dispute Department : EXPERIAN LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Additionally, I would like to point out that XXXX has correctly deleted the XXXX XXXX XXXX XXXX account from my credit report following my request for verification and removal of unverified information. This further underscores your ongoing and negligent failure to remove the same account from my file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681s-2 ( b ), credit reporting agencies and data furnishers are required to correct or delete inaccurate or unverifiable information, as XXXX has done. I expect you to take the necessary corrective actions immediately to avoid further legal action.
Consumer complaint received 2024-09-02
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-09-03
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX
Consumer complaint received 2024-09-03
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)

Inaccurate reporting of the XXXX XXXX  account # XXXX on my credit report. This account was marked as a collection account in XX/XX/year>. However, it has been repeatedly updated as a collection account every month since then, which is misleading and inaccurately reflects the account 's history. 

A collection account should not have an active payment history after it has been entered as a collection account. By improperly updating the payment history, the statute of limitations is being manipulated, which is both misleading and harmful to my credit report. Additionally, there have been incorrect reports of XXXX XXXX XXXX XXXX XXXX, and XXXX days late, which further exacerbates the inaccurate reporting. 

I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This inaccurate reporting has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) - Accuracy of Report, and I am demanding that the XXXX XXXX account # XXXX be deleted from my credit report immediately.
Consumer complaint received 2024-10-19
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: Transform Credit Inc. (IL)

on XX/XX/year> i checked my XXXX  XXXX, i than noticed a hard inquire on my account that i do not recognized, clearly it was due to XXXX. i have been going thur this for at least XXXX and a half months where people gotten hold of my information and tryied to get criedit cards in my name, and also fill out for laons. the inquire came from a personal loan company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MD)

I had a {$50.00} per month XXXX hotspot with XXXX XXXX. I canceled the account in XX/XX/2022. However, they kept billing my credit card. I called and reminded them that I canceled the account 3 months earlier. They said they would correct the issue and refund the money. However, they charged me yet again the next month. I called XXXX XXXX and disputed the charges back to XX/XX/2022. XXXX XXXX then sent me a bill for {$190.00}. 
Now they have hired a collection agency demanding {$240.00} and they have placed a derogatory mark on all three credit bureaus. 
I have disputed the claim either all three of them. 
This sounds like mail and wire fraud to me. 
It is impossible to get an XXXX from XXXX XXXX on the phone unless you are opening up an account. All other calls are outsourced to XXXX. 
In my reasonable opinion this is a deliberate tactic to get people to just pay rather than go through all the hassle.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized XXXX  party is involved, making this situation even more problematic.
Consumer complaint received 2024-09-05
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. (IL)

I received a letter from XXXX XXXX indicating that an account application had been submitted in my name and they require more information to open the account. This is a fraudulent application therefore I contacted XXXX right away to stop the application process. They confirmed that there was a hard credit check and that I would need to reach out to the bureaus to have it removed. The bureaus indicated that I needed to file a report with the FTC and CFPB to get the process started in getting this fraudulent hard credit inquiry removed from my credit files. I have attached the letter I received from XXXX to inform me of the account application that was when I discovered the fraud. What other steps can I take to avoid this in the future or to prosecute the person ( XXXX ) responsible?
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for a loan from an online company ( mistake # 1 ). I was supposedly approved. And had to give my banking information which I did. But then they asked for my user name and password to " validate '' the account was mine ( mistake # 2 ). I said no a few times but they convinced me once the funds were deposited, I could change the information. That made sense to me ( mistake # 3 ).

A partial " deposit '' was made and I then had to send a portion to them to pay for account protection insurance. ( mistake # 4 ).

The " loan officer '' assured me the funds would be in my account the next day. Needless to say, they never arrived. ( mistake # 5 ) To make a bad experience even worse, now comes my bank, Bank of America who wants to protect me and give me good customer service. So-they freeze my account. I don't have access to my online banking. My social security was deposited and my paycheck as well. They refuse to give me the money at first until the account closed XX/XX/XXXX. 
I was pleading and begging for them to let me have my money. I have to pay my rent. Then they took pity on me and said my account was scheduled to close Tuesday XX/XX/year>. But it could take 4 to 6 weeks to get the check. Are you kidding? 4 to 6 weeks?????? So yet again I begged them to let me have my money. I need to pay my rent and other bills. They took pity on me again and requested to get permission for me to get cash from a branch another 3 to 5 days. I have called every day this week and was again told that nothing the person on the phone can do for me. I have to wait and call back tomorrow to see if my request to withdraw my money from my bank account is approved. 
And as far as I am concerned, these unscrupulous lenders would have no audience if our banks in this country loaned money to hard working American people no matter their credit score which is another scam on society. And another way to gouge the public. Sorry for the rant. 
I need help. I am XXXX XXXX XXXX still working to keep a roof over my head. I was out of work last year due to an injury and my credit score suffered because of it. I needed a financial boost and thought that this company was okay. Probably too easy and I know NEVER to give out your user name and password. What they do is gain access to your account and see a large transaction in your account, and put in a dispute claim for it ( which is crazy to me that someone other than myself can put a dispute claim in ). The bank credits back your account the disputed amount, you think this illegal lender lent you the money and you send some of it to them. So, I paid for the same transaction twice and now can't get to the money I have left. Doesn't seem very fair to me. 
I am asking for help. Please ask Bank of America to release my money and I will go away and we never need to see each other again. 
Thank you for your time.