davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by Experian, XXXX, XXXX, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.
Consumer complaint received 2020-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION 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. XXXX, 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/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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. (NY)

XXXX XXXX has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.
Consumer complaint received 2020-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (CA)

I open the pre paid secured card with XXXX  XXXX for {$300.00} honor ereabouts a XXXX of XXXX then I only old {$50.00} in an emergency came up and they sent me a merge to give us I didn't make any more payments I just let the card go and so they sent me a bill for {$620.00} they would try to collect on it for the last year and a 1/2 and I told him this you guys only {$250.00} return and plus you don't have it and then LV in V is tried to do the collection now they don't even have a wet signature on file I've asked a very moving stop reporting this insane behavior when they owe me money and I'm sure this world not really doing me any good making this complaint because you guys are disappear ocracy and you really don't helps all this use and I have a but XXXX confidence but with the election results and making complaints it trying to get these guys to fix my credit and would never will work ever is gon na work is it going have to file a lawsuit and that probly wont-work either thank you for all your help
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I've been getting emails saying I might be a victim of idtinty theft and every time I put in a job application they always want me to check my credit or just seems like some one using my social and information
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, whose address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that my credit card account with a last digit # XXXX is late and past due for the months XXXX and XXXXXXXX XXXX XXXX As a result of this clerical mistake my XXXX XXXX went down XXXX points, from XXXX to XXXX, and I lost access to a wide array of financial products previously available to me. 
All payments on this credit card have been made and sent by me to XXXXXXXX XXXX XXXX in time. 
In good faith I disputed this issue multiple times with all three credit bureaus asking them to remove erroneous information in my credit file submitted by XXXX XXXX XXXX 
Despite those attempts, erroneous negative information stayed in all my credit reports. 
I also sent a letter to XXXXXXXX XXXX XXXX  explaining the situation and asking them to remove erroneous negative information from credit bureaus. I have never received any answer from XXXX XXXX XXXX 
I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the matters mentioned above and care for a full investigation. Thank you.
Consumer complaint received 2021-05-05
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)

These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX XXXX XXXX ) XXXX XXXX /XXXX  Account Number : XXXX, ( Equifax ) XXXX XXXX Account Number : XXXX, ( XXXX, equifax, XXXX ) XXXX XXXX   Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( Equifax ) XXXX XXXX Account XXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A EDD dept *XX/XX/2021 EDD deposited 2x payments of {$910.00} which gave me an available balance of {$1800.00}. No pending charges. 

I went immediately to store and made a purchase of {$9.00}. After purchase, per BofA EDD online account ( the BofA Prepaid mobile app ) Available Balance After Transaction : {$1700.00} Card Number : XXXX XXXX XXXX XXXX Should be {$1800.00}, not {$1700.00}. 

*Same day, immediately after, I made another purchase across street of {$10.00} After purchase, per BofA EDD online account ( the BofA Prepaid mobile app ), Available Balance After Transaction : {$1500.00} Card Number : XXXX XXXX XXXX XXXX Should be {$1800.00} not {$1500.00} ... 

I called twice today XX/XX/2021, and even transferred to management which claimed there records show the correct amount after both purchases which totalled {$1800.00}, but my billing statements state otherwise. 

I was offered no reason why this could happen, and told to fax or email statement to the same department that the website is working from. 

Im requesting a full account review to credit my funding which has been taken with no record or reason from B of A edd dept
Consumer complaint received 2021-05-05
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. (FL)

These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.
Consumer complaint received 2024-02-03
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. (GA)

This is my numerous request that I am a victim of identity theft and I write to dispute certain item in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-06
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. (NV)

EXPERIAN does not have a right to only accept explanations from only one side, and continuously re-reports false information after doing a one sided " investigation '' in these matters. It is discrimination and bias. 
Experian has refused to remove UNILATERAL reporting from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. 

Experian is repeatedly ignoring my consumer rights by only accepting XXXX side of any story from a collection agency. 

An investigation need to be launched on what appears to be collusion with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19. 

Experian must remove all credit reporting entries by XXXX XXXX XXXX from my credit report immediately.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am reaching out because I am looking for assistance in getting a missing tradeline posted in my Experian credit report. XXXX XXXX has reported a rental tradeline to Experian but yet is not showing on my credit report I have sent them all the information, and conversations with XXXX XXXX to get this posted but yet have no results. The rental tradeline should have appeared on my credit report after they submitted the encrypted file to Experian but yet is still missing
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Ive tried repeatedly to enter disputes on TransUnions digital portal. This was the o only option I felt I had since Ive tried sending supporting documentation by mail and TU denies is has been received. Attached you will find a billing statement dated XX/XX/2021 for XXXX Loan # XXXX. TransUnion is reporting this account as 120 days past due. This billing statement shows the balance and status and paid in full. I want my report updated immediately!
Consumer complaint received 2020-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX FOCUS FINANCIAL SERVIC AKA Palm Beach Credit Ad XXXX XXXXour 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 FOCUS FINANCIAL SERVIC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXXMD-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/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-03
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. (OH)

While reviewing my credit report- I noticed that there were accounts opened under my name that I did not authorize. It is unlawful to be punished for acts that one did not commit. Since last XX/XX/XXXX I have been sending letters up to all three bureaus discussing the issue that I am facing and nothing has been done. This has prevented me from obtaining a vehicle and building my credit score as effectively as I would like.. I did not authorize the following accounts/inquiries and I would like them to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also have a vehicle that was 86 % paid off that I owe {$1600.00} on that I could not continue to pay on due to the condition of the vehicle. The vehicle has not ran since XX/XX/XXXX, yet I was still making payments on it and renting a vehicle. I would like some assistance on those late payments being removed from my report as my car has not been in drivable conditions. I also sent letters up to all three bureaus discussing this issue.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The criminal organization better know as Bank of America once again trying to steal money from me. Due to COVID19 I received a credit from XXXX XXXX for {$1400.00}. My wife called Bank Of America Travel services to use the credit for another trip as XXXX XXXX said BOFA travel has to make the booking, to avoid extra fees from American. As usual with the incompetent crooks at Bank Of America, they tried to steal our money and delayed the call with all sorts of excuses. She was on the phone for over one hour ( see attached ) and then as their usual fraudulent practice they disconnect the call. ( see attached ). My wife had to call American and pay penalties and use the ticket for another trip. Once again Bank Of America playing games to steal money from consumers. 
Unfortunately probably as usual Bank Of America will not answer this complaint and lie and answer that they contacted the consumer directly, as their tipical fraudulent way of avoiding being caught in their fraud. The FBI or the State Comptroller has to investigate these fraudulent practices by Bank of America
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (UT)

so I have this XXXX XXXX card with Comeninty Bank there cutoff is like XXXX XXXX in the XXXX XXXX its really not fair for the people that live in the XXXX XXXX most of the time they day my payment is due I work until XXXX  I try to pay before a lot of times I have a problem with my phone internet like today I didn't get off until XXXX I tried to make a payment before but it didn't work and I had to back to work and I got in like an hour after the due I pay on they day they are due but they to get like an hour past the cutoff this cutoff times are really not fair I want all my late fees credited they get them on they day they are due and they charging XXXX because my payment posted maybe an hour after the cutoff times on the day they are due why should I be punished for the way there computer programs work everyone one of these they are getting them the day they are due and they don't seem to care at all I want every late payment credited