davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (CA)

I am filing this complaint to CLARITY SERVICES INC . This company continually report the account as delinquent even if I have stated already that this account was under the Covid-19 forbearance. They totally violated two CARES Act : 1. ) XXXX marked the late illegally for the months of XX/XX/year> and XX/XX/year> while they were in the middle of a loan modification and 2. ) demanding a lump sump the missed Covid forbearance payments the immediate month following the end of the forebearance. You have acknowledged that your received the payment last XX/XX/year> amounting to {$4800.00}
Consumer complaint received 2024-05-27
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account I was in fact paid on time the consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24 and XX/XX/24 I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-27
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. (NY)

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. 

Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 

I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing these accounts from my file, but a disregard for the suffering I have endured. 
XXXX and XXXX have already removed these accounts from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete these from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

If my please for justice continue to be ignored, rest assured that I am prepared to take decisive action to protect my rights. I will not hesitate to seek legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this situation has caused me. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they deserve. The law requires a swift resolution, and I insist that your bureau adhere to these legal obligations. 


Regarding the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-06-04
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. (AR)

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

AS REPORTED, the item does NOT have an exactly matching Data Furnisher/Creditor Contract address location. 

Experian was contacted several times via phone and email customer service supervisor refused to be held accountable for improper use of my report unprofessionally disconnected call XX/XX/year>
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

Hello I am a victim of identity theft, these XXXX accounts listed below aren't mines. I have my police report and ftc. my id as well. 


I have no knowledge or information on these said accounts. 
midland credit XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-21
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: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMANSOL Intermediate Holdings, Inc. (DC)

Stretto has sent me multiple claim codes that I am unable to redeem. I tried to redeem them the moment I received them, but unfortunately, my XXXX account was a business account, and I ultimately found that XXXX doesnt support cryptocurrency transactions for business accounts. That tidbit of information was not in any of the initial communications from Stretto. I found out from XXXX, if you can believe that. 

I finally deleted my business XXXX account and created a personal XXXX account that matches my XXXX information, but I am still unable to redeem any of my claims. The reason, according to XXXX support, is that the deposits or claims have stopped temporarily, as there was a data issue at Stretto. 

A data problem? Ive inquired for details, but thats like if your doctor told you that you were XXXX XXXX XXXX XXXX XXXX. What, exactly, is the problem?
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is XXXX furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally lodge a complaint concerning several inaccuracies on my credit report, which include multiple attempts to add inaccurate addresses, collections accounts, and inquiries, some of which are suspected to be fraudulent. These inaccuracies are adversely affecting my creditworthiness and financial well-being. I request your prompt assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies requiring your immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Non-compliance with the FCRA can lead to legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMANSOL Intermediate Holdings, Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint pertaining to the distribution of assets in the XXXX bankruptcy proceedings. As a creditor in this case, I was entitled to receive a specific distribution comprising Bitcoin, Ethereum, and equity in the newly restructured company. However, to date, I have only received the Ethereum and stock components, with the promised Bitcoin distribution notably absent. The official docket information, as disseminated by Stretto, explicitly indicated that the distribution of Bitcoin was scheduled to be completed by XX/XX/XXXX. Despite this stipulation, I have yet to receive the Bitcoin assets that are duly owed to me. This lapse has not only caused significant concern but also prompts questions regarding the integrity and transparency of the entire distribution process. It is imperative to note that this issue is part of a broader context wherein a substantial portion of my Bitcoin and other cryptocurrency holdings were previously compromised. The current situationwhere I am being provided with an inconsequential amount of Ethereum and ostensibly valueless stock, while being deprived of my rightful Bitcoin distributionraises serious doubts about the fairness and legality of the proceedings. In light of the above, I urgently request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure that the distribution is conducted in accordance with the legal and ethical standards that govern bankruptcy proceedings. It is crucial that the rights and interests of all creditors, including myself, are upheld throughout this process. I request assistance in finding out why I haven't received my bitcoin distribution from XXXX XXXX XXXX XXXX XXXX  and Stretto ( attorney ). I am prepared to provide any additional information or documentation that may be required to facilitate your investigation. Thank you for your attention to this matter.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMANSOL Intermediate Holdings, Inc. (NV)

Copy of letter sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I am writing to you as a creditor in the bankruptcy case of XXXX XXXX, which is well-known to have declared bankruptcy in the summer of XXXX. Like many others, I was impacted by this unfortunate event and have been awaiting the distribution of the bankruptcy settlement, which is being administered by Stretto. 

On XX/XX/XXXX, I received communications from Stretto, outlining the procedure to claim my distribution through XXXX. These communications included separate claim codes for Bitcoin ( BTC ) and Ethereum ( ETH ) holdings. However, my attempts to redeem these claims have been fraught with systemic issues, leading to an inability to access the funds rightfully owed to me. 

Initially, a technical glitch in XXXX form prevented me from entering my date of birth in the required format, thus stalling my claim redemption process. After a delay of several weeks, hoping that this technical issue would be resolved, I encountered further obstacles. Despite successfully entering my details, XXXX system was unable to verify my identity, repeatedly failing to progress past the verification stage. 
Subsequent interactions with XXXX customer service yielded no resolution, and their advice to contact Stretto led to an equally frustrating dead end. Despite multiple attempts to reach out to Stretto via phone, email, and their customer service form, I have received no substantive response, only automated replies indicating a high volume of inquiries. 

My persistent efforts to redeem the claim codes through XXXX continue to be met with the message : " We are unable to redeem that code. Contact Stretto for more information. '' This has left me in a distressing limbo, unable to access the settlement funds, which represent a fraction of my original investment following the significant losses incurred due to the collapse of XXXX. 

This situation not only exacerbates the financial distress experienced by many creditors but also raises concerns about the efficiency and reliability of the mechanisms established for the distribution of the settlement. It is disheartening to witness continuous hurdles in accessing what is owed to us, especially after enduring the substantial financial and emotional toll precipitated by the collapse of XXXX. 

I respectfully urge the court to intervene and mandate immediate corrective action from both XXXX and Stretto. It is imperative that they address these systemic issues promptly and ensure that all affected XXXX bankruptcy claimants receive their entitled distributions without further delay or hindrance. 

Your attention to this matter is not only crucial for the timely resolution of my individual case but also signifies a broader commitment to upholding the rights and interests of all affected creditors in this bankruptcy proceeding. 
Thank you for your time and consideration.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America submitted my account for closure with no warning. When I contacted them on XX/XX/2024, they said my account was being reviewed for closure and it was set to close on XX/XX/2024. I told them a refund from my FSA was submitted in the amount of {$350.00} and I needed that money for treatments I am going through. As the refund has not posted, I asked if they could cancel and return the refund. They told me no. I was told to call back in 2-3 business days once it had posted to see if they would file a hardship request allowing me to go into a branch and access my funds. I called back the next day and the request was filed. Was told it could be approved or denied quickly or up to 5 business days. Called back the next two days and on the second day the rep told me he would send in the request again and I can call back in a week to see if it was approved. 
At this point they are holding my $ $ that I desperately need for medical treatments. I dont care if they close my account, I just want my $ $ that I feel they are wrongly withholding from me.
Consumer complaint received 2024-05-26
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. (SC)

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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXXBalance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX.