davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my extreme dissatisfaction and urgency in addressing a critical matter that requires your immediate attention. It has come to my attention that there is a fraudulent account tarnishing my credit report, and I demand an aggressive and immediate deletion of this erroneous entry. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit.

Im very confused why this one seems to ignore my requests. The presence of this fraudulent account on
my credit report is not only an inconvenience but a blatant violation of my financial security. I refuse to accept any delays in rectifying this situation, and I insist that you take swift action to remove this fraudulent account without further delay. 

Details of the fraudulent account are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

The presence of a fraudulent account on my credit report poses a serious threat to my financial well-being, and I will not tolerate any further delays in resolving this matter. Failure to comply with this request will leave me with no choice but to escalate this issue through legal channels to protect my rights. 

I insist that Experian treat this matter with the utmost urgency and professionalism. I anticipate your immediate attention to this issue and a satisfactory resolution in the shortest possible time. 

I expect your prompt response.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX my sister passed away. She had a health care savings account. I am the Executor of the will. In XX/XX/XXXX I contacted Bank of America to notify them of her death and request release of funds. I was told to send a copy of the death certificate which was faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America requesting additional documents which stated I needed to send 1. I immediately sent them another death certificate and the XXXX XXXX XXXX XXXX. This was sent on XX/XX/XXXX. On XXXX XXXX, XXXX XXXX and XX/XX/XXXX I sent the same information along with telephone calls. Telephone calls were also made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told that they would have to send me a Beneficiary Designation Form which I informed them that she could not sign since she had died. I filled out the form and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed additional documents. I spoke with my attorney and the office of the Probate Courts and both told me that those documents are not necessary. They both informed me that they are just delaying payment. On XX/XX/XXXX I contacted Bank of America once again by telephone to resolve this to no avail. On XX/XX/XXXX I was informed that they did not have a death certificate and now they needed different forms. I called them again on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I can not get any resolve to this matter. There should be {$480.00} in this account but Bank of America keeps deducting monies from the account.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Experian, XXXX and XXXX are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately. 

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX, XXXX and Transunion are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately.

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-12-26
Product: Credit reporting 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. (TX)

Attached is the initial request for Experian to investigate the inquiries that appears on my consumer report. They have, thus far, failed to comply and therefore have violated the law. 

For over XXXX years I have requested investigations on the inquiries and have not received evidence of XXXX. Experian is breaking the law and causing injury. 

This is my final administrative attempt prior to filing suit.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: World Omni Financial Corp. (SC)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (WA)

On XX/XX/XXXX Synergetic Communication, Inc. sent me a letter attempting to collect on a debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. On XX/XX/XXXX I sent a letter by certified mail disputing this claim, and requesting that Synergetic Communication cease any further communication regarding this issue, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), and I considered the matter closed. 

On XX/XX/XXXX Synergetic Communication, Inc. sent me another letter attempting to collect on the debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. The only difference between the two letters is that they changed their internal account number for the claim, even though it is clearly referencing the same disputed debt claim. 

This is an obvious attempt to circumvent my request to cease any further communication, and a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/2021, {$21.00} was withdrawn from my bank account by Coinbase. I did not authorize the withdraw. I then received an email from Coinbase stating that {$21.00} was withdrawn from my bank account and was placed on my Coinbase account. The money was never placed on my Coinbase account. I filed a complaint with Coinbase and on XX/XX/2021 i received another email from Coinbase with a case number ( Case # XXXX ). I was asked to take certain steps to protect my account ( which I did ) and thereafter Coinbase completely blocked my account. I can not access it at all. I waited XX/XX/2021 to reach out, giving them 14 days. I was informed that it was sent to a specialist and they would respond soon. They have not attempted any contact since that time.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax and XXXX credit report : Account name : XXXX XXXX XXXXXXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 

I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. 

It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Consumer complaint received 2021-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (DE)

Sunoco on XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged my account XXXX  times in the amounts of XXXX, XXXX and XXXX ( XXXX total ) on XX/XX/23, no gas was purchased. The POS system displayed a pin pad error. I have not received my XXXX in XXXX  days.
Consumer complaint received 2021-02-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Portfolio Recovery XXXX. The Account Opened is The XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. The Account Opened is Portfolio Recovery XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-06-03
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. (MS)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX  PORTFOLIO XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (TX)

A deposit was made on the XXXX XXXX XXXX XXXX XXXX and i was informed that it will take up to 7 business days to verify the funds even though I was connected with instant deposit and withdraw as they claim after connecting my bank account. The money was withdrawn from my account within 3 business days and I was able to purchase crypto with it that I needed to transfer to another external wallet. Past forward 8 business days later I am still not able to withdraw or transfer anything from crypto.com wallet. More frustrating about the situation that you try to contact their support through the app chat only and they day respond time within 2 hours but no one ever answer even after more than 72 hours passing and its always like that never resolved any issue
Consumer complaint received 2023-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I was going through a hard time in 2016 I moved back in with my mother I called the car loan place and had them come and pick up vehicle due no job. Four years later I never received a summons to go court they placed a garnishment on me and now they are taking money out of my check every time I get paid. The balance on credit report in more than the balance I see on my check XXXX on credit report on paystub it say still owing XXXX.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veripro Solutions Inc. (MN)

In XXXX I sued XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In XXXX, XXXX paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that XXXX violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to Veripro Solutions Inc. ( I am filing a complaint against them as well ). The 2nd lien they sold to Veripro is a " claim '' by definition, and was the only security they held against my property, therefore, XXXX is in violation of our SA. 

I am currently trying to refinance my house, however, Veripro has stated that the will not provide a lien release on the 2nd lien that XXXX sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that XXXX had already promised to release me from.
Consumer complaint received 2021-09-02
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (MI)

F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NJ)

I switched debt consolidation and entered with XXXX XXXX XXXX for a few months until they went under. This was about XXXX years ago. I didnt understand how it works so I trusted that the money I paid them would resolve the debt. It did not. Now I have a wage garnishment. What happened to the money I paid. I think that its gone. Is there anything else I can do?
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (AZ)

XXXX XXXX XXXX is an agency Ive never heard of. They demanded me to provide them with my information in order to release who they are. I wasnt asking for account information, but a brief description of who they are and what they do. I spoke to someone and they told me well, when you are ready to provide your information, then you can call us back and then hung up on me. I called back and took a risk by verifying my birth date and I discovered XXXX   XXXX XXXX located at XXXX XXXX XXXX, AL was a 3rd party collecting for XXXX. This was for a XXXX bill in the amount of {$720.00} for a phone. The next representative was polite enough to talk to. I informed her that I wanted a statement in the mail and would be willing to take care of the balance or work out a payment plan once I received it. It appeared she took what I said personally and said that I am refusing. Her tone of voice changed. She became very cynical and was unprofessional. I am very skeptical with making payments to this company. This is a collection agency and I would like for the phone calls to be monitored to and from my cell number.This way, it will reveal how these representatives talk to people and how they represent their company. I am more than willing to take care of this, but I rather have a statement first before I give my personal banking information to them and that is something they could have verbally said to me in a professional way instead of being impolite and hanging up on me. 

I spoke with XXXX and they recommended that I speak with a manager at XXXX XXXX XXXX. I sent them an email and has yet to receive a response and I have still not received a letter regarding how much I owe. I would like something in writing. 

Once this is resolved I would like to talk to a supervisor to manage my account and work with me on some type of payment plan.