davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX  ** Unauthorized Inquiries : Inquiry name : XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is the 5th complaint all I'm asking is experian to do what they are supposed to d by law under the fair credit reporting act INVESTIGATE!!!!!!! 
I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Secured Resolutions, LLC (NY)

In 2017 I was given a credit monitoring alert that a collection account was added to my credit report from Secured Resolutions not knowing anything about this company or debt I tried to get information to validate this information reporting on my credit report. I notified the collection agency asking for validation of the debt. They attached information which is enclosed.
Consumer complaint received 2024-02-04
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)

This is todays follow up to the following cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/, thus it had until XX/XX/XXXX  at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/XXXX  through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX Applied for a Citibusiness XXXX XXXX Account with banker XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX branch during a promotion that ran from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I visited the branch again to finalize account opening procedure and to make an opening deposit. XXXX XXXX attached the promo code to my account and provided me the Terms & Conditions of the promotion. Please see the attached document titled " Citibank XXXX XXXX Checking Account Offer Terms & Conditions. '' XX/XX/XXXX I made a deposit of {$100000.00} at the same branch to meet the requirements for the {$1500.00} bonus level. Funds were maintained through XX/XX/XXXX ( please see attached document for account transaction history ) as required according to promotion terms : " maintain one of the Qualifying Balance Levels in such account ( s ) for 60 consecutive calendar days after the Qualifying Balance Level is met during the the initial 30 calendar days funding period '' According to the Terms & Conditions of the promotion below, bonus of {$1500.00} should have posted by XX/XX/XXXX : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' As of submitting this complaint on XX/XX/XXXX, I have not received the {$1500.00} bonus as promised.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TN)

In XXXX of 2022 I sent a letter to Ad Astra Recovery Service because I noticed a collections account on my credit report that is damaging my score and ability to obtain credit significantly. I reviewed my report and found several discrepancies across all XXXX credit bureaus and submitted XXXX letters to each bureau/party respectively . One initial letter to verify debt and a second letter pointing out all errors which included the account being continuously re-aged, reported as late every month while being charged off, and showing up as a loan reporting late each month while reporting as a collections account at the same time. I have read up on the FCRA and I know that this is NOT legal. Furthermore on one report the account would show late by 30 days before being in collection and another account late by 120 days before being charged off/sent into collections. They were extremely all on different ends of the spectrum. I also contacted Ad astra recovery and asked them to produce the original hand signed contract along with a copy of their license to collect debt in TN. I requested this license due to the very unprofessional and unethical way they have conducted business and continue to handle this situation. I asked for these documents to which they have not produced and continue to send me a obviously automated response. I sent them a letter last week and received the same automated letter that I will attach if allowed. In my last letter I stated that if they did/could not produce this evidence, along with a copy of their license in compliance with the FCRA then to remove this account off my credit report with all 3 bureaus. They have continued to ignore my request therefore in my latest letter I notified them that if this lack of communication continued I would be contacting the CFPB.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (AR)

we got a covid related forbearance in XXXX of 2020 for my husband mortgage. He pasted away from covid in XX/XX/2020 - I was receiving past due notice but Arvest said that we auto generated. My name was not on the loan but I had power of attorney and submitted will etc.. They asked in XXXX how i wanted to take care of the past due balance ( 6 month of payment for the forbearance ) the gave me a defferal option which is what i opted for. They said I would be getting the paperwork in the mail within 2 weeks - my forbearance ended in XXXX and I began making the payments on the account - they talk to me about the loan but said I was on the loan and I wasnt named successor because of probate etc. My attorney advised me that I was and drew up a administator deed for me and that allows me to act in full interest which is what Arvest said I needed to make the defferal or modification to the loan. I did everything they requested and still wont allow me to do modification or defferal on the past due balance on the mortgage and said they were going to forclosure.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Beginning in XXXX, I have submitted multiple disputes to all three credit bureaus in regards to incorrect information being reported on my credit report. XXXX, Experian, and XXXX continue to violate my rights under the FCRA. The following accounts contain erroneous, unfair information that is damaging my credit. 

XXXX : Account type is incorrect across all XXXX bureaus, Date opened is different across all bureaus, Last reported date is different across all three bureaus, Last reported date is different across all bureaus, etc. ( copy of credit report with errors circled enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX : Dates, account number, high credit, and payment history is incorrect/inaccurate. ( copy of credit report showing inaccuracies enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX : Inaccurate information being reported across all three bureaus. ( copy of credit report showing incorrect information enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX XXXX Dismissed : Courts do not report nor verify information to credit bureaus. This information was obtained and sold to the credit bureaus without my consent and is a violation of both 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent. 

Furthermore the XXXX was dismissed without adjudication and in the eyes of the law, anything that has been dismissed is no longer valid or deemed to exist and therefore should not be on my credit report. This is a direct violation of the FCRA. The negative erroneous information being reported is effecting my ability to acquire housing and employment. The credit bureaus have refused on multiple occasions to remove this incorrect information claiming to have verified the accounts. how are these accounts being verified when all of the information is inaccurate. According to the FCRA, I have the right to a 100 % accurate and fair credit report. 
As I have included a copy of my credit report with inaccuracies already circled, I demand that these items be deleted immediately or I will be seeking litigation against Experian, XXXX, and XXXX for violating the FCRA laws.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section XXXX of Consumer Financial Protection Bureau.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Good morning.. my dears At Consumer Financial Protection Bureau XXXX greeting, It's XXXX XXXX my time in the state of California, today is Monday XXXX XXXX, On or Around XXXX XXXX, I contacted CEO HSBC bank USA.N.A . ..Mr. 
XXXX XXXX, to process my Judgment XXXX At the XXXX XXXX XXXX XXXX  , County Court, State of Arizona, then month Later, I did contacted him again, then month later I Made a trip to HSBC bank XXXX XXXX, to talk to branch Manager he advised me to Contact the HQ, it's over six Month now, no reply received from HSBC bank HQ, please contact XXXX XXXX XXXX Bank CEO, thank you