davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On or about XX/XX/2023 I wrote a check from my business account to pay my landlord for the lease. I personally dropped the check in a XXXX mail box at the XXXX location in XXXX, California. The check was stolen and cashed by some individual over at XXXX XXXX XXXX on or about XX/XX/2023. I found out because I received a call from the fraud department from XXXX XXXX XXXXXXXX. I told them the check was not supposed to have been cashed by anyone other then the intended payee, a business with the name of XXXX XXXX, XXXX who does not bank at XXXX XXXX XXXXXXXX. The fraud department at XXXX XXXX XXXXXXXX told me to file a report with my banking institution XXXX XXXX Bank XXXX ), they also denied any more information as to how, why, when and who cashed the check. I immediately file a claim in person at the local Union Bank MUFG branch located at XXXX XXXX in XXXX California. I was given a few affidavits for both me and my landlord to fill out, have notorized and return to them. XXXX XXXX, the branch manager at Union Bank, handled my claim personally and he gave me and also took back the completed affidavits from both my landlord and my self. I was told to wait 30-60 days for a refund. 60 days passed and there was no refund, no formal communication ( mail or email ) of any kind or news on my claim. I then went back once again to the Union Bank branch to get an update on my case and was told that apparently Union bank had already done everything on their end and was now just waiting to hear back from XXXX XXXX XXXXXXXX, who apparently had another 60 days to resolve the claim and finish their investigation. During those 60 days US Bank acquired Union Bank MUFG. I believe the 60 days were already up this last XX/XX/2023. Up until this day I have not received a refund nor any kind of status or update on my claim. Every time I call to inquiere about my claim Im always given excuses and cant get any update or resolution to my claim. I believe Im entitled to at least a temporary credit of my stolen funds {$2800.00} since I was a victim of fraud and have done everything in my power to facilitate the banking institutions investigations. XXXX XXXX XXXX should not have accepted a check that was clearly written out with a payee that is a business banking somewhere else, a check that was not addressed to one of their customers and Union Bank shouldnt have release my funds to anyone else other than the intended payee who was clearly written on the check. Both banking institutions, XXXX XXXX XXXXXXXX and Union Bank needed to do their due diligence on checking the identity of the person cashing the check in order to prevent fraud as a normal business practice.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank/ XXXX is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. I am requesting that they remove XXXX and XX/XX/2020 Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!
Consumer complaint received 2023-03-23
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. (TX)

I am writing to express my deep frustration with the ongoing issue of fraudulent accounts and inquiries on my credit report, despite my repeated efforts to have them removed. As you are aware, I have been disputing this fraudulent accounts for over 9 months now and they remain on my credit report. This situation has taken a significant toll on my mental health and well-being and has reached my breaking point. 

I have provided all of the necessary documentation and have followed all of the procedures required for resolving this matter, yet the information remains. The emotional stress and financial strain and burden of this situation has been overwhelming and I can no longer endure it. 

I am now seeking litigation and I believe that I am entitled to compensation for the time and effort I have put into resolving this issue, as well as for the damage it has caused in my life. I am confident that I have a strong case and I am fully prepared to pursue all legal avenues to obtain justice in this matter. 

I hope that you will take my request seriously and work with me to finally resolve this issue once and for all. I am eager to move on with my life and put this matter behind me, and I believe that the only way to do so is by having these fraudulent items off my report. 

I have incorrect personal information and incorrect and duplicate inquires on my credit report that have not been resolved!
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation ()

First, the amount collected is not correct because the amount I stated in the order was not followed, there was overcharging of the amount. Secondly, the items I ordered didn't arrive but was replaced with another one not specified in my order. I called them and made a complaint about the order and even asked them where to return the items, they told me either to give it away or throw in the trash. They told me to specify what I ordered and submitted the list to their office. I waited for the response but it never came. What I did was to give the items to my friends because i didn't need them
Consumer complaint received 2020-07-06
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: Bread Financial Holdings, Inc. (CO)

Below is the dispute I sent to Comenity Bank, XXXX, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX RE : CB/XXXX   XXXX I am disputing the accuracy and completeness of CB/VICSCRT  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( Metro 2 manual reporting guidelines for paid charge off account ) Exhibit 4 ( Metro 2 manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to Metro 2 manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( XXXX  lender report ) Exhibit 2 ( XXXX  and XXXX   Report ) Inaccuracies : 1. XXXX  ( Highlighted in yellow ) a. XXXX   reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. XXXX   reporting Purchased by another lender. Exhibit 3 is from the Metro 2 manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete. 










Exhibit 3 ( Metro 2 Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX, I received a promotional offer via e-mail for opening a Business Fundamentals Checking account with Bank of America. On XX/XX/XXXX, I used the link provided in the e-mail to apply for this account and enroll in the promotion ( Promo code : XXXX  ). 

According to the terms of the promotion ( see attached ), Bank of America stated they would award me a bonus of {$300.00}, provided I meet the following requirements : 1. Open a new Business Advantage Checking OR Business Fundamentals Checking account by XX/XX/XXXX. 
2. Make qualifying deposits of at least {$5000.00} and five electronic payments within 90 days of account opening. 

My Business Fundamentals Checking account was opened some time between XX/XX/XXXX and XX/XX/XXXX. Initially, there was a technical glitch which did not properly attach the promotion referenced above to my account. I visited my local Bank of America branch and spoke to a helpful Assistant Branch Manager, who escalated the issue and was able to get the promotion correctly applied to my account. According to the attached documentation she provided, my account was enrolled in the promotion effective XX/XX/XXXX ( Promo code XXXX ). 

An attached screenshot of my account shows I met all of the above requirements for the promotion. A deposit of {$5000.00} was made on XX/XX/XXXX. This was within the 90 day period from the date the account was opened. From XX/XX/XXXX through XX/XX/XXXX, I made more than five electronic payments on my debit card. 

Furthermore, the promotion terms state : " We will make every attempt to deposit the earned cash bonus directly into your business checking account within 90 days from the end of your qualifying period. '' The last day to open an account in order to qualify was XX/XX/XXXX. 90 days from that date was XX/XX/XXXX, so we are past the point where the bonus should have been paid. 

Even though I met all the terms of the promotion, Bank of America has failed to post the {$300.00} bonus to my account. At the end of XXXX, I followed up with the Assistant Branch Manager at my local branch, who informed me that she escalated this issue for resolution. It has been over a month since that correspondence and she still has not heard back from the corporate office. 

Trust is an essential part of any business relationship. The lack of a response and action from the back office is beginning to make me question that trust. Bank of America has not fulfilled their promise of awarding the {$300.00} bonus they owe me for fulfilling the terms of the promotion.
Consumer complaint received 2022-12-14
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020, I requested a quote, online, on the company 's ( XXXX XXXX ) website to research what my auto insurance MIGHT cost ( Quote Number : XXXX ). I haven't even bought my car yet, so I was definitely not REQUESTING insurance and I didn't sign up for insurance - I was simply trying to gauge what auto insurance might cost me where I live, based on the model of used vehicle I'm seeking. 

XXXX sent me an email on XX/XX/2020, informing me that, " We reviewed your credit report and obtained a credit-based insurance score based on information contained in that report. ... '' They obtained my data from Trans Union. 

This is absolutely illegitimate and illegal and was absolutely NOT authorized by me! And, Trans Union ( of whom I am a client! ) was not authorized to share my credit data/report at all - I did not sign anything with XXXX or Trans Union permitting this.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blakely-Witt and Associates, Inc. (TX)

Dear Sir or Madam : I am writing to dispute the following information in my file. 
Blakely-Witt Associates XXXX Which currently is reporting through your service : Account Status : Collection Payment Status : Seriously Past Due Status Updated XX/XX/2018 Balance {$1.00} This item Blakely-Witt Associates XXXX is inaccurate I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have disputed this item multiple times through your agency and even providing supporting documentation. I am requesting that the item be removed. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-07-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MI)

I have a XXXX student loan serviced by XXXX since XXXX of 2022. I XXXX XXXX from the XXXX at that time and applied for and received an XXXX XXXX. This strangely only lasted for two months and ended on XX/XX/XXXX. My account then became due without my knowledge. XXXX did not attempt to call me until XX/XX/XXXX. They did not leave a voicemail until XX/XX/XXXX and it was the only one they ever left me. XXXX was not made until XX/XX/XXXX at which time I paid my due in full. They then proceeded to report my account as late to multiple credit bureaus anyways. I have since repeatedly contacted them and they refuse to consider my account as current despite my payment. I believe they were negligent in their duty of care to me as a debtor. Their efforts to contact me were insufficient and have now caused me serious financial harms as my credit has been severally adversely affected.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, XXXX show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with XXXX and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MD)

Rausch Sturm bought this account from XXXX XXXX XXXX, XXXX  - I  spoke to XXXX let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic
Consumer complaint received 2020-07-06
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. (GA)

Experian and Experian Senior General Counsel XXXX XXXX admonition in writing the mixing of my credit information with other creditors through data-file sharing agreement between XXXX and XXXX granted known XXXX marketer XXXX access to my PII through data-sharing agreement. Thus such security lapse provided ( " XXXX '' ) XXXX XXXX XXXX XXXX XXXX Enforcement to unlawfully obtain and share my ( PII ) resulting in the misappropriation of my image, biographical facts ; name, likeness ; identity and good name which XXXX been unjustly enriched. XXXX violated XXXX XXXX,XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX failure to protect and safeguard my ( PII ) and XXXX XXXX XXXX XXXX , Subchapter XXXX, sections XXXX   protect the disclosure of Non-Public Personal Information violated my protected rights under Fourth Amendment. Experian data breach is example of broken chain of custody or stewardship over ( PII ) data ; obligated by law to protect and safeguard. 

As direct result of Experian antiquated networks and servers ; and merge with XXXX and XXXX Info Search granted cybercriminal XXXX and known XXXX marketer ; access to my PII and solicitation to identity thieves on the dark web my ( PII ) for profit ; constitute a reckless and willful violations of FCRA and liability under 5 U.S.C. 1681 ; Experian willfully and recklessly violated 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) failing to identify, implement, maintain and monitor the proper data security measures, policies, procedures ; software and hardware systems to safeguard and protect consumer PII. 


Experian false or inaccurate reporting of consumer information from third parties of inaccurate information resulted in the mixing of consumer credit files and personal identifying information with another consumer information that did not belong to XXXX XXXX substantiates Experian has negligently violated Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ).

Experian negligence in not compensating consumer timely ; to statutory and punitive damages {$1000.00} for each violation under 15 U.S.C. 1681n ( a ) ( 1 ) ; having committed since 2011
Consumer complaint received 2020-07-06
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. (VA)

I've been trying to resolve this issue since last year in XXXX. I reached back out to Equifax today XXXX and was hunged up on. I disputed fraudulent inquires and incorrect information regarding a account.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've made several attempts to notify TransUnion that the inquiries listed below I do not recognize. In my letter to them I requested to have them removed and update my consumer credit report and I have not received a response. It's difficult to reach them on the phone and at times the website is not working properly. So, I'm reaching out to this agency for help. The following companies have inquired into my consumer report without my consent, and I wish to have them deleted at once. 

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not nor have I had credit with any of these companies.