davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NJ)

his company Radius Global has violated multiple FDCPA and FCRA statues in their attempts to collect a debt that is not owed by me. They have illegally reported a false debt to the consumer reporting agencies without first trying to get ahold of me the consumer as they proceeded to park a un-verified debt automatically to my consumer credit reports using my personal non- public financial information which is against the law. I submitted to Radius Global a Refusal to Pay / Cease and Desist letter which is attached to this complaint and they still are doing collection attempts and communicating to third parties about a allege debt in my name. Radius Global will be name as litigants in my upcoming FDCPA / FCRA lawsuit.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXX XXXX  account XXXX Account Number : XXXX ). 
The specific inaccuracies include : XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXX XXXX  XXXX they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (MD)

My employment history is incorrect regarding the dates for my employment with XXXX XXXX. 
The employment verification says I started with XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. My start date with XXXX XXXX is XXXX XXXX XX/XX/XXXX, not XXXX of XXXX. 
This is causing flags on my background check for employment because the dates arent matching. 
Ive reached out to XXXX XXXX XXXX several times and left several messages and sent a letter and its still not corrected.
Consumer complaint received 2024-05-28
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2023-11-17
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 appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

I am writing to formally file a complaint against National Credit Systems ( NCS ) regarding an alleged debt that has been reported on my credit file. I am disputing this debt and requesting that NCS provide proper documentation and legal proof of assignment as required under federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1692g.

Request for Validation and Assignment Documents : In accordance with 15 U.S. Code 1692g, I am requesting that National Credit Systems provide the following : 1. A copy of the assignment agreement between the original creditor and NCS that grants them the authority to collect this debt.

2. Proof that NCS has a legitimate right to collect this alleged debt.

3. A complete account history that includes a breakdown of the amount owed, including how the balance was calculated.

Additionally, under 15 U.S. Code 1642 ( a ), any attempt to collect a debt without proper documentation is a violation of the FDCPA. NCS has yet to provide this proof, despite my previous attempts to resolve this matter. 

Grounds for Removal : Since NCS has not yet provided the required documents proving legal ownership or assignment of this alleged debt, I am requesting that this collection be removed from my credit report under the following case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In this case, the court found that debt collectors must provide documentation that proves they have the right to collect a debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case established that failure to verify a disputed debt with sufficient documentation results in a violation of the FDCPA. 

If National Credit Systems can not provide the necessary documents, I believe they are in violation of federal law, and I am requesting that they immediately cease collection efforts and remove the negative reporting from my credit file.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. This is my new attempt to dispute the items in my credit file which resulted from the erroneous credit information. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from the incorrect credit report details, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXX/XX/year> **********EQUIFAX : XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; Medical Collection XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX : CCB/BALANCE XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from the erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (OH)

I would like to have a full clue report from my Lexis Nexis file and update any inaccurate information that may be on the report. My full name and address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XX/XX/1982
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CO)

XX/XX/year> Account was opened without my consent by Chime XXXX ( chime.com ) and I was emailed ( on my primary email ) links to fund the checking account - chime.com. 
I immediately reset the password, searched on how to close the account, and went through the closure procedure with an agent. They complied. No funds changed hands. Chime.com had my name, address, email, telephone number and SSN within the account profile.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I was called today by Apple XXXX regarding an issue on my account. I told them that I do not have an account, and I have no idea what they are talking about. They then said that this is in regards to an online chat from XXXX regarding a purchase XXXX days ago using an Apple XXXX. I told them I do not have no have I ever had an Apple XXXX. Clearly someone has compromised my information to open the card and make purchases. The XXXX account tied to the credit card is under my name, but I have no access to it, and the primary email address does not belong to me. 

They told me that the credit card was opened in XXXX XXXX XXXX, and several purchases were made, with the products being either gift cards, or shipped to XXXX XXXX. 

Apple has then told me that I need to contact the police department in XXXX XXXX to open an investigation into how my information was compromised in order for them to shut down this account. I don't understand how this is a feasible resolution. 

None of this credit card activity has shown up on my XXXX, XXXX, or XXXX reports. Apple is now threatening me that the balance will go to collections, which will adversely affect me. 

Considering Apple failed to properly verify the identity of the person in XXXX who stole my identity, and they have the transaction records regarding opening the account, I don't understand how it is my burden to resolve this matter. Further, Apple is in the first position to investigate this issue, but is refusing to do so. They are also requiring me to use their XXXX speaking customer support only to further deal with the matter, even though their team is based in the XXXX. 

Considering that my email address is not associated with an apple account, how was I even to know an account was opened in my name, let alone in another country? Am I to inquire with every company that issues a credit card in every country in the world? I'm just asking for Apple to shut down the account and to do their own due diligence. 

The matter with Apple is case XXXX XXXXXXXX
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OH)

They are calling me three times a day almost everyday, they use different phone numbers it is insane, 15-21 times a week, I have talked to them and told them when I can pay they still do not stop calling with same XXXX and nothing has changed, they claim they are calling to help they not, this is a loan given to me at XXXX percent years ago when I didn't even have a job, I should have never qualified for it, but the calling is insufferable, I have mentioned to them this is the definition of harassment, being they are calling well over 7 times a week and today they started texting me, keep ion mind this is a collateral loan they could just come get the car but instead non stop calling, I can not even see my full payment history online for this loan but I am sure I have more than paid for it, but XXXX at XXXX percent sky rockets back up when payments gets missed, the calling needs to stop I would like to see this loan dismissed I have even brought this up with the women who calls her name is XXXX and told her she is calling to much and it is harassment she claims, " not its not because we are trying to help '' excuse my language but that's a crock of XXXX and fantastic legalese use to justify what is nothing more than harassing behavior I've told them they will get paid it will just take time for me to get another job and that just does not satisfy them, 3 times a day everyday like clockwork and sometimes on weekends, I more than deserve to have this dismissed for this absolutely abhorrible behavior. This is through one main financial they have been in trouble in the past for ripping people off I believe there was a settlement a few years back this place should not be in business
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX XXXX XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX XXXX XXXX  Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (MI)

In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy. 
15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (CA)

Re : Late Fee on roundpoint Mortgage XXXX XXXX XXXX XXXX NC XXXX My regular mortgage payment is {$610.00} On the payment for XX/XX/year>, I mistakenly typed {$610.00} into my online banking payment. I did not realize this until I received the next months bill from roundpoint Mortgage. 
I was therefore {$0.00} off in that payment. The mistake was a typo since the XXXX digit is right next to the XXXX digit on my keyboard. 
Upon receipt of a letter dated XX/XX/XXXX but actually arrived the same day as my bill on XX/XX/XXXX from roundpoint, I called them on XX/XX/XXXX and was made aware of the mistake. I was also charged a {$30.00} late charge. 
I immediately sent in a {$0.00} payment to cover the discrepancy and also paid the upcoming mortgage payment for XXXX. Both of these payments were electronic payments through my bank ( XXXX XXXX ). 
I requested that the late fee be rescinded but have been told, since it was not an error on the part of roundpoint Mortgage, it would not be rescinded. 
The late fee is over XXXX the amount I was inadvertently short on the payment, which I believe is exorbitant. 
My credit rating is Excellent and I have not missed a mortgage payment. 
Attached are copies of the bill and letter from roundpoint Mortgage. 
XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

In XXXX of 2018, my Citibank credit card stolen and maxed out. I immediately notified Citibank of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for collection in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get Citibank to stop reporting this incorrect information. In the past month, I've sent two separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. Citibank did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of Citibanks failure.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Dear XXXX XXXX XXXX, XXXX, AL, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX Account # XXXX