davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (MD)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a small business checking account for my real estate brokerage with Bank of America for over 25 years. In the last couple of years my business has been very slow and I have not been making large deposits. In XXXX of this year I had a closing and had no problems making the deposit and having it clear. This XXXX I made a larger deposit because the sale was for a larger transaction. - Unfortunately, the title company made out the check to a slightly different company name - Instead of XXXX XXXX XXXX it was made out to XXXX XXXX XXXX which is the name of a different company in a different city in my state. Despite I stopping in person and the branch manager informing me that was the most likely reason the hold was kept for 10 business days! It cleared the title company 's account the next day- which the title company verified for me. Despite me telling them that the check had cleared the issurer BOA did not lift the 10 day hold and I was told by their customer service department that NO ONE at BOA had the authority to lift the hold! I tried 2 different times and escalating both times. No one could help and no one cared. Needless to say after not having a sale in so many months I had bills that were past due and personal loans that needed to be paid. I had another commission check deposited today for under $ XXXX and again I come home after making the deposit at a teller at a different branch with the message that they thought the check was going to be returned by the XXXX XXXX XXXX XXXX XXXX and the hold was put on it! I just don't understand how they can get away with this. Checks in that account are usually from Title companies, HOA 's, or when I had them landlords for services that my company had done for them. I never had issues like this when I was making more deposits and real estate was fairly good. I have never had a large account since real estate comes and goes in cycles. I just don't understand all these holds from funds that are as good as they come since Title companies get wired funds from lenders and/or homeowners wired to their accounts to fund the transaction. I will be calling customer service again and being told the same thing- we can't do anything once a hold is placed on a check!
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

In XXXX XXXX XXXX XXXX XXXX XXXX was given the task of collecting and distributing child support for my ex wife. Money was to be taken my paycheck directly and given to her. However, until it started I sent them a check. Unknown to me th we considered this action as a late payment and reported it to the credit bureaus. I have sent copy of the cleared check to show I was not late in paying but the late payment still remains. Also, my daughter has turned XXXX and graduated high school in XX/XX/XXXX so I do not owe child support any longer. XXXX XXXXXXXX sent me a check for over {$900.00} in refund for my overpayment of child support. I provided court documents showing when child support started and ends as well as cleared first check showing no late payment as well as refund showing nothing owed but it remains on my credit reports. Should not even be on there at all. I owe nothing and was never late
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery is incorrectly reporting a debt on my credit report. XXXX, XXXX and XXXX. According to 15 U.S. Code 1692g - Validation of debts. I respected a copy of a contract that I agreed to pay this debt and that I am the owner of this debt. They have not provided any documentation that I owed this debt. I am a victim of Identity, and this is not my debt. They have not provided me with any validation.
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. (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debtor may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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)

I am writing to dispute the report of a XXXX XXXX XXXX XXXX cancellation account that appears on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Urgent Request for Block of Fraudulent Information I am writing to formally address a critical issue regarding my credit report that has placed me in a distressing situation.As a victim of identity theft, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and I am reaching out with a sense of urgency and concern. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you take immediate action to block certain fraudulent information from my consumer credit report. The details of the fraudulent accounts & inquiries include : XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX & # ( {$450.00} XXXX XXXX  Account # available ) XXXX XXXX XXXX # XXXX # XXXX & # XXXX INQUIRIES & DATES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries, leading to significant stress and potential harm to my creditworthiness. I have attached a comprehensive list of the hard inquiries and accounts on a self-attestation letter that clearly indicates these fraudulent entries. I want to emphasize that I do not recognize any of these accounts or inquiries. They were not initiated or authorized by me, and they stem solely from identity theft and fraud. For your reference, I have also attached the FTC Identity Theft Criminal Complaint # XXXX as proof of the fraudulent activities that have occurred.Given the severity of this situation, I insist on a fair resolution.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-23
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NJ)

In the beginning of XX/XX/year>. I noticed that the XXXX agency listed a collection against my credit report by the Radius Global Solution collection agency based in XXXX MN. I promptly disputed the collection through XXXX and after 1 day I received a report that determined that this was a legitimate debt. When I asked about any details about this debt or how XXXX determined that it was a " legitimate debt '' the representative explained that they are only a reporting bureau and not the agency itself. Realizing that representative probably knew nothing besides what was on the computer screen I asked the representative for the contact information which she gave me. I then called the Radius Global Solution agency and I explained the situation. First, the representative explained that the account name ( listed as my nickname ) was the wrong name. I explained that I have gone through this farce over 4 times with collections agencies and credit bureaus. I politely suggested that she speak to her supervisor on this matter as to how to proceed because if I could not get the information needed to clear my credit report then I will be forced to pursue legal action. After a few moments, the Radius Global Solution representative gave me the account number of the collection, the original creditor XXXX XXXX XXXX cable and the address that the cable was receiving the cable service ( an apartment in Texas and I live in NJ ). After this she explained how I could go to XXXX XXXX XXXX directly and explain that I was victim of fraud. XXXX XXXX XXXX 's process requires me to provide a police report of fraud and documentation that I was residing in. It almost seems to me that XXXX XXXX XXXX is attempting to make it so difficult that a person will just settle and they or the collections agency can make a few bucks in the process. Needless to say, they chose the wrong person.
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. (FL)

It was shocking and confusing to find inaccurate accounts on my credit report today, with absolutely no explanation for their appearance. I check my report regularly, and this is the first time Ive encountered these kinds of discrepancies. I refreshed the page, hoping it was just a browser error, but the incorrect information stayed there. Due to this situation, Im asking for a careful review of the documents Ive provided so I can move forward without having to deal with this kind of stress again.
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. (TN)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

I currently have checking accounts with XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX, and a CD account with Wells Fargo. 

Recently, I attempted to add beneficiaries to these accounts. However, upon contacting the banks, I learned that there is no option to add beneficiaries via online banking, phone, or mail. The only way to complete this task is by visiting their physical branches. 

As a person with a XXXX, and someone who works from XXXX XXXX XXXX XXXX XXXX every day except Sunday, it is not feasible for me to visit a bank in person for such a simple task. 

My concern is that in today 's world, most banks offer the ability to add beneficiaries through online banking. Why don't these banks make this important task more accessible via online services? 

Adding a beneficiary is crucial. If a person unexpectedly passes away, it raises serious concerns about the accessibility of their funds for their family members or loved ones. 

I am concerned that these banks may have ill intentions, possibly to seize unclaimed funds when account holders die unexpectedly. 

As a tax-paying citizen of the United States , I urge that adding beneficiaries via online banking should be made a mandatory feature for all banks.
Consumer complaint received 2024-09-02
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

Hello, I hope this message finds you well. I am a victim of Identity Theft. The thief has opened up multiple accounts with my stolen personal information. As a result, most of these accounts have been sent to collections.

Currently, the account opened at Professional Debt Mediation is not my account and is a direct result of identity theft. 

I can show all proper documentation proving my innocence. Please have them block this account from reporting to my credit report and have them conduct a proper investigation. 

Thank you.
Consumer complaint received 2024-10-07
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: MoneyLion Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXXXXXX XXXX account number : XXXX
Consumer complaint received 2024-09-05
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)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports