davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
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 am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On Tuesday XX/XX/21, I was informed by Citi that my account had been temporarily suspended due to potential fraud on the account. Upon contacting Citi 's " early fraud '' department, they asked me a series of questions to " authenticate '' me. I provided ALL VALID account information, including my wife ( who is an authorized signer ) including phone number, email address, personal information, etc. and was informed that I was unable to be authenticated and that the ONLY way I would be able to be authenticated is through a pass code to be delivered by USPS within 5-7 days. I tried to resolve with 3 different individuals, including two supervisors, all of whom advised that was the " only '' way to authenticate me as I did not have Citi accounts otherwise.

It is notable that there are zero unauthorized charges on my account and I informed Citi as much, yet my account remains locked. 

As of the time of this writing ( XX/XX/21 ), I still have not received correspondence regarding this authentication, but in the meantime I have had not fewer than two bills using my citi card as an auto draft attempt payment and were rejected, which has resulted in me being charged a late fee.

In addition to the inconvenience of being charged a late fee through no fault of my own, Citi 's archaic and inflexible policy of allowing me to verify myself ( and again, who can better authenticate myself THAN MYSELF ), I find it highly concerning that Citi is de facto attempting to illegally tie depository and credit relationships as the only reasonable means to authenticate in the case of potential fraud. As the reader of this would undoubtedly acknowledge, Citi or any financial institution is not permitted to require having a depository account as the means of extending credit and is illegal per the OCC regarding anti-tying provisions.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Sir/Madam, On XX/XX/XXXX, BOA froze my checking account ending in XXXX. I reached out to the BOA and found out that it was a business decision they took to freeze my account but they wouldn't close the account and release my money ( tax refund and stimulus money ) till the issue with my other checking account ending in XXXX is closed. Basically keeping my money XXXX in the account XXXX. 

Regarding XXXX, we suspected fraud activity on this account on XX/XX/XXXX and the account has been in the credit only state since then i.e. XX/XX/XXXX. The balance in that account was {$190.00} before it went into credit only state. Now the balance is XXXX cents due to all the BOA holding fees. But BOA is not able to close this account due to fraud transactions ( XXXX XXXX  ) always in the pending/processing status. I have spoken to Fraud dept multiple times in last XXXX months, they just not able to block these fraud ACH transactions but told me not to worry about it as the account is in credit only state, the transactions wouldnt post but they wouldnt be able to close this account with transactions pending. 

I have been calling literally everyday since XX/XX/XXXX. On XX/XX/XXXX i was told there was no pending transaction on XXXX account yet the risk and closure dept wouldn't close the account due to pending review. Risk and closure dept keep giving me tentative closure dates and then push the dates out. When I ask, I just get told they can do that its per the contract I signed before opening the account. 

At this point, I'm out of sorts and frustrated. Your immediate attention regarding this issue will be highly appreciated. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting immediate deletion of the following account : XXXX XXXX  Acct # XXXX I have disputed this account many times disputing the accuracy of this account. Each time that I have disputed the account comes back as verified. It is CLEAR this account has not been accurately verified as each time the account is disputed the balance changes. As of reporting on XX/XX/XXXX, the balance listed on my credit report for this account is {$1200.00}. The next credit report pulled on XX/XX/XXXX, lists a balance of {$1200.00}. Im not sure how the balance can decrease on a closed account and no payment has been submitted. The report on XX/XX/XXXX, not has the balance as {$1400.00}. That is a pretty big increase. The next change in the amount for the account comes on XX/XX/XXXX, with the balance now being listed as {$940.00}. That is now a pretty big drop for an account that has not been paid on. How can this account indeed be verified with such inconsistency with the balance? It is my right for fair and accurate information to be reporting on my credit report. This is neither fair NOR accurate and after several attempts at disputing I am now requesting immediate deletion of this account. 
Thank you, XXXX XXXX Attached : Proof of the balance changes on the account listed with Experian.
Consumer complaint received 2024-10-16
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)

Dear Sir/Madam, While checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XX/XX/XXXX ) Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MA)

Hello, I have been keeping my money in Gemini for a long time. I have now decided to withdrawl our money and Gemini will not let me. I have reached out to Gemini but they have still not honored there commitment and my money is still pending a withdrawl. It has bee pending for weeks now. Please help recover our money as it is over {$41000.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

it is a company called " Portfolio recovery '' they are constantly calling and threatening. They even had someone come up to my XXXX XXXX XXXX daughter in the car while she was getting in and handed over documents when we lived in florida. My daughter was scared and crying.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX XX/XX/XXXX {$0.00} XXXX COMENITY BANK XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2021-09-21
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. (PA)

I XXXX XXXX am submitting this complaint myself and there are no third parties involved. XXXX, XXXX and Experian are in violation 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance Transactions that are not initiated by the consumer ( 1 ) In General a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of the subsection ( a ) ( 3 ) in connection with any credit or insurance that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( b ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) Information regarding Inquiries Except as provided in section 1681g ( a ) ( 5 ) of this tittle, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. I the natural consumer never authorizes or initiated .This shows pursuing to 15 U.S. Code 1681e - Compliance procedures Experian, XXXX and XXXX XXXX in violation of section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA. 

Attempted to get debt removed-CRA 's have not done so.
Consumer complaint received 2021-11-11
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. (NV)

My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, https XXXX XXXX/ On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Louisiana Recovery Services Inc. (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved.

LOUISIANA RECOVERY SERVICES is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

LOUISIANA RECOVERY SERVICES have used abusive, deceptive, and unfair debt collection practices.

LOUISIANA RECOVERY SERVICES have violated my consumer right to privacy, I NEVER gave them any my information directly and LOUISIANA RECOVERY SERVICES has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the LOUISIANA RECOVERY SERVICES civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2021-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, 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. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2019-09-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with Experian the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " XXXX XXXX  '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with Experian directly as to ensure that XXXX XXXX would be held accountable. I was notified this morning however that XXXX XXXX " validated the 30 days late '' and Experian denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to XXXX XXXX support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. 
Everything must be 100 % accurate in my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was contacted by Human Resources from my old employer on XX/XX/XXXX with a garnishment. I appealed the garnishment and went back to court XX/XX/XXXX. On XX/XX/XXXX the judge lifted the garnishment and set a new trial date for XX/XX/XXXX. 
On XX/XX/XXXX, I contacted XXXX and XXXX on behalf of Bank of America and disputed the debt due to Fraud/Identity Theft. I also contacted Bank of America and they said that the account was opened in XXXX and the last activity was in XXXX. They stated that they are not able to help me because it is not reporting on my credit any longer. XXXX and XXXX who is the attorney on behalf of Bank of America will not provide me with any documentation. I asked for verification of debt, or a copy of the application and I have not received any documentation. 
XXXX and XXXX served a Warrant in Debt to an old address and obtained garnishment. I sent the courts the paperwork to reflect that I was not a resident of XXXX  at that time and was a resident of XXXX. We had a telephonic interview. They rescheduled the court date for XX/XX/XXXX and I have to drive 4 and a half hours for a debt that I did not take out. 
I am looking for XXXX and XXXX to stop their collection action on a debt that is not mine.