davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

Re : Account Number : XXXX  To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX  Account Number : XXXX High Balance : {$2500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXX  Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects an open collection status. As per my records, there has been no recent activity on this account, and it should not be reported as open. 

Furthermore, I dispute the accuracy of the reported balance owed. The amount stated is not consistent with my records, and I request that you provide detailed documentation supporting the validity of this debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KY)

I completed a forbearance request on XX/XX/year> and sent it in electronically. Mohela contacted me back and said I would need to call them to talk to a XXXX agent to determine how to help me with the forbearance. When trying to call, I am placed on hold for periods of time between XXXX hours and never able to reach a XXXX agent. A couple of times I have been disconnected while on hold. I applied for the XXXX payment plan in hopes of getting my {$1200.00} payment down, but that has also not been processed yet.
Consumer complaint received 2024-04-24
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)

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. 

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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 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 2024-04-24
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. (MD)

I have been recently informed that there is negative information reported by the bureaus. 

XXXX : 1. Account Name : XXXX Account XXXX : XXXX 2. Account Name : XXXX Account Number : XXXX 3. XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Experian : 1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 7. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-04-24
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. (OK)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-12-03
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P. (OH)

I received an e-mail on XX/XX/2023 from an XXXX XXXX from XXXX telling me that I owe {$1200.00} to LVNW Funding LLC on a debt from XXXX XXXX XXXX, XXXX. 

I never heard of the bank nor did I even file any loans from that bank. 

I am providing screenshots of said e-mail with this complaint.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX Balance : {$400.00}
Consumer complaint received 2024-04-24
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)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

This is an extended complaint from my previous complaint : XXXX I have called Chase every day for the past week trying to get this problem resolved, we have a number from XXXX. Attached is the phone bill directly from the XXXX site with the address listed on the account. We have been using that number to verify the check and release the restriction on my chase account. I do not want my funds to go to state unclaimed, and I also don't want my account to be restricted. I need it for direct deposits. 

We have checked the number every day and nothing has been fixed or updated on Chase nor XXXX ' end, and I'm running out of time. Please get this solved for me. Chase seriously needs to update their verification process because even my own number is not registered under my name in their systems. It's ridiculous.
Consumer complaint received 2023-03-13
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. (IN)

HI 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have recently reviewed my credit report and found fraudulent accounts that I did not open and do not recognize. These fraudulent accounts have been listed on my credit report. I request the removal of these accounts from my credit report as they are negatively impacting my ability to obtain credit.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MI)

I have the Wells Fargo Reflect Visa Credit Card. It offers an introductory APR period of XXXX  months, with the final XXXX months contingent upon 18 months of on-time payments. These XXXX additional months are advertised as " extension months. '' Since opening the account, I have consistently made on-time, automatic payments from the same checking account. These payments are typically processed on the XXXX of each month. 

On XX/XX/year>, I increased my automatic payment amount from approximately {$100.00} to {$350.00}. Because of this change, my account wasn't current until the XXXX billing cycle. 

Wells Fargo claims that canceling my automatic payment and then reinstating it at a different amount on the same day was not sufficient time for proper processing. As a result, they have denied me the XXXX extension months. I have contacted customer service multiple times to resolve this, emphasizing my on-time payment history using the same payment method. I believe denying the extension months is a predatory practice simply because I updated my automatic payment amount. 

I request that Wells Fargo honor the extension months, considering my relationship with the bank and the fact that : * I have consistently made on-time payments. 
* I increased, not decreased, my payment amount using the same bank account. 
* I reinstated the automatic payment on the same day, showing a good faith effort was made to keep my account current. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently did an investigation into my credit report and found several items on there to be inaccurate.

15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. According to the aforementioned code, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to individuals in their reports. It is evident that this obligation has not been fulfilled in my caes. Furthermore, under 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information, it states that if, after any reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must prompty delete or modify that information based on the reinvestigation results. 

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
Consumer complaint received 2023-03-13
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. (NY)

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 XXXX. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX  Navy federal withdrew {$510.00} from my checking account to satisfy and payment in which my mother owed on her credit card. I called in to release my paycheck and only agreed to make a loan payment on my vehicle which is financed through NFCU. I received a notification that additional money was taken out and questioned the representative and she stated it was for a credit card which is not mine. I spent a total of 4 hours on the phone trying to get my money back and still have no resolution. I never gave authorization for the payment to be made and asked multiple times for the call to be reviewed.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (GA)

RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX  - XXXX - STATUS PAID AND CLOSED XXXX XXXX XXXX XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

I received a letter stating that it was in reference to a telephone conversation with a representative that did not occur with me. The letter states " Consumer loan information continues to appear on line for approximately 90 days from payoff date of the loan. A loan will also appear on your monthly lending bills until it is automatically purged from their system. At this time, we do not have a tentative date as to when the next purge will occur. '' Signed Sincerely, XXXX XXXX XXXX Navy Federal Credit Union I have no idea why I received this letter. I have no loans with this organization and have not had any type of loans for over XXXX years.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit Reporting act. There is an address that is on my credit report via Experian I have tried to dispute this address because it is incorrect and no accounts should have this address on any file. And if so I demand that it be removed from my credit report ASAP. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is not my address and it is incorrect.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CT)

I have had a PayPal account for around XXXX  years. My last known balance was approx {$300.00}. In the last XXXX  days I have discovered that I am unable to access my account. The site says it locked my account because I have had too many unsuccessful login attempts, but its been XXXX days. When I try to use the forgot password option it tells me sorry something went wrong on our end. It is not possible to contact PayPal customer service without logging into the account, which I am not able to do. I do not know what recourse, apart from filing this complaint, I can take to regain access to my funds.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I was provided two gift cards from XXXX as a way of getting cashback from purchases I made in the past. Unfortunately, the gift cards do not work on any purchases I attempt to make online. I double and triple checked that all the fields were inputted correctly, but the purchases still can not be made. 

I attempted to contact American Express about this issue, but the customer service number provided did not have any information on the issue and there was no capability to speak to a live person about this. 

Further, upon researching the issue, it appears to be an ongoing problem with American Express, and the only recourse appears to be contacting the CFPB. 

Attached as evidence is the two gift cards and a screenshot of a XXXX order that could not be placed with the {$14.00} gift card. Please note that the print out of the {$14.00} gift card shows a balance of {$13.00} as XXXX attempted to charge {$.00} to the card during my screenshotted order attempt. 

Thank You.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (CA)

Basically what happened was usdirectexpress. Let v someone inn Virginia accessed my acct. taking close to XXXX dollars. Then locking me completely out of my acct for XXXX months now. I contacted the XXXX XXXX XXXX. They told me I o can not file a complaint until I provide bank statement from us direct bank. I am completely locked out of my acct. Direct express bank statement to my own acct. I am starving and broke and rent i due. They are going too me homeless.
Consumer complaint received 2024-04-24
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.