davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

lost my wallet that contained my driver license and social security card and multiple accounts where open using my personal information and a credit card with Comenity bank was open XXXX with credit limit of {$200.00} sent company a letter stating it wasnt mine it was open do to identity theft
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

My daughter signed a lease for a rental agreement in XXXX with this company XXXX, I originally co-signed in XXXX, however I did not co-sign the second term contract. My daughter decided to move by the third term because of the XXXX in the complex and found another person to take over her lease. They signed the contract and the lease office refunded my daughter her deposit and took the key. The new tenant fell through with the lease and XXXX has came back and charged my daughter and myself for the months of rent loss that year. I did not sign a contract for this lease term.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I took out an equity line of credit on my home ( XXXX XXXX XXXX XXXX XXXX NC ) with Truist Bank. The property was sold on XX/XX/2022. The Payoff amount was {$270000.00}. The attorneys ' office XXXX XXXX ( XXXX, NC ) was instructed to send a check overnight for {$280000.00} to the banks XXXX office.. Since the closing was on Friday they sent a check on Monday XX/XX/XXXX via XXXX. The check was delivered at XXXX XXXX  on XX/XX/XXXX and signed for by a XXXX XXXX. After waiting two weeks I called to find out about a refund for the extra funds that were taken and told that the check was never received. I went to the attorney 's office on XX/XX/XXXX and secured copies of the payoff instructions and proof of delivery. I was told the check was not cashed and that they could put a stop on it and issue a new one if there was a problem. I took the documentation to the local Truist Branch where I had taken out the loan and gave them to XXXX XXXX asst. VP at the branch. She called the XXXX office and they supposedly opened a ticket. I called XXXX XXXX on the XXXX and she called XXXX and was told they were working on it but needed more time. I have tried myself to get in touch with the XXXX office but have had no luck getting any update. The attorneys office called me on XX/XX/XXXX to tell me the check has not been cashed nor has anyone from the bank called them to ask to reissue a check. They informed me that I have only 30th days to get refunded the extra money that was sent to Truist. I tried calling XXXX again and after a few minutes speaking with someone was cut off with no information.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (CA)

I HAVE TRIED TO REACH OUT TO THIS COMPANY TO GET THESE INQUIRES REMIVED THAT I DID NOT AUTHORIZE, YET THEY STILL WANT TO PLAY GAMES WIHT PEOPLE 'S FUTURE, THEY HAVE VIOLATED MY RIGHTS OVER AND OVER AGAIN AND I HAVE HAD ENOUGH. THEY HAVE REMOVED AND PUT WRONG INFROMATION TO MY CREDIT REPORT ALSO AGAIN BREAKING THE LAW. THE INQUIRES I DO NOT RECOGNIZE MUST COME OFF IMMEDIATELY Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 1.Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX 2.Creditor XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4.Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 6.Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act , you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-06-01
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: CL Holdings LLC (FL)

Jefferson Capital Systems LLC is reporting a delinquent collection account to the major credit bureaus that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive any form of validation of this alleged debt. XXXX Mailed XX/XX/21 ) According to the FCRA, Jefferson Capital Systems LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I have attached the multiple notices that they've sent me as well as the validation letters that I've sent them. This is hurting my credit and I need it removed immediately as it is not my account or debt. Thank you for your assistance.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have been banking with Bank of America for years when I decided to open a credit card with them in XXXX of XXXX. As you can see with the attachments below, I was on-time for every single payment, not ONE payment was made late in the six years that I banked with them. 

However, when I decided to pay off my debt ( this year ) because of all the uncertainty this nation has faced with the pandemic, my account was immediately closed by the credit grantors. In several attempts to re-open my credit line with BOA, I was rejected and this lead to the decrease in my once healthy credit score. 

I was an exceptional, on-time credit banker for years and to be taken advantage of in such a manner is not only harmful, but unacceptable. I am appalled and would like for my account to be immediately reinstated. As you all know, this has vanished 6 years and 5 months of perfectly good credit from my record and is completely damaging to me. I had full intentions of using my credit card ( specifically during this time of crisis ) and was not able to once I paid off my debt. This is the difference between me being able to sleep safely at night and me being homeless. This is a serious matter and I need it to be resolved as soon as possible.
Consumer complaint received 2020-10-31
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. (IN)

I do not owe any debt to my prior landlord ( XXXX  XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency XXXX XXXX XXXX XXXX XXXX and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with XXXX XXXX XXXX. My mail was returned because XXXX XXXX XXXX moved and left no forwarding address. I sent my communications to the address XXXX XXXX XXXX provided the credit bureaus and includes on their correspondence to me. XXXX XXXX XXXX is being intentionally evasive. It should also be noted that XXXX XXXX XXXX is not a reputable company as they have at least 963 Consumer Financial Protection Bureau complaints ( mostly for improper debt collection practices ). XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Pursuit of this debt constitutes fraud and harassment by my former landlord. I have attempted to work with Equifax to have this item removed from my credit report utilizing the dispute process and have provided ample evidence that I do not owe this money. Including this debt on my credit report violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. As XXXX and XXXX can not prove damages, I do not believe my credit should be harmed. Equifax is not doing proper due diligence to ensure the accuracy of my report. My report is a vital financial resource and damage to it creates great economic implications for me. I will file suit against my prior landlord and name Equifax in that suit if they fail to promptly remove this item from my credit report. Pursuit of this debt constitutes fraud and harassment by my former landlord and Equifax is complicit in that harassment given the validity their agency attributes to this debt by listing it on my report. Please note, I am an attorney. My damages are documentable and factual as I am attempting to purchase a home and including this item on my report damages my credit thus increasing my interest rate. Please note, I have also filed a Consumer Financial Protection Bureau complaint against XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX ).
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (TX)

Currently we have a mortgage with Rocket Mortgage. After one year they started making numerous phone calls. I finally talked to someone to get them to stop the calls and they told me they wanted to present a proposal for a new mortgage. I told them there was no way they could improve it. They called back later and said I was right. However, without telling me or obtaining my approval they ran numerous reports against my credit. They continuing calling me and harassing me. I have advised them to stop calling me.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions , LLC. has has sent multiple letters and emails demanding payment on a debt they claim is owed to XXXX XXXX XXXX XXXX in the amount of {$68.00}. I have responded to each and every letter/email requesting validation of the debt. After the fourth contact, they final sent a copy of an original XXXX XXXX XXXX bill for {$68.00}. However, the bill was for service from XX/XX/XXXX - XX/XX/2019. I closed my account with XXXX XXXX XXXX on XX/XX/2019. As such, the bill is inaccurate and includes amounts that I do not owe. Despite having failed to validate the debt after repeated demands for validation, I have received notice that multiple derogatory remarks were placed on my credit file with the credit reporting agencies.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I called the company on XX/XX/2022 and settled the debt and I never received a letter in the mail. I was treated very poorly via phone when I called on XX/XX/2022. I was told that I can either receive the settlement letter by mail or email. I never received the email and called the company back on XX/XX/2022 to let them know I did not receive it. I requested to speak with a Supervisor and was verifying my mailing address. They had the wrong mailing address and I provided that to them the day I set up the payment arrangement to set up the debt. To this day I never received the letter via mail. They would say anything just to get me off of the phone. I called back one last time on XX/XX/2022. I asked if the debt would be deleted off of my credit and I was told that it will not be deleted even though the debt was settled.
Consumer complaint received 2022-06-15
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a small side business of XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX. I do 3-4 transaction per year with of avg $ XXXX per transaction. I got a wire from a XXXX XXXX XXXX on XX/XX/XXXX for first time. I dont know the sender, or have any other info about transaction. The amount came and then it was reversed back on XX/XX/XXXX. I called the bank to know what this was, and they replied " user claimed it back by saying it was sent in error ''. Since info came from my bank, I didnt see any reason to do anything else. Per my bank, it was user error so no action needed. On Monday XX/XX/XXXX, my bank closed my business and personnel checking account. They didnt give me any reason except to say " Bank doest see this as good business for them, and they have the right to close my account. '' I opened first complaint in early XXXX through CPFB portal. That complaint was close by CPFB based on BOA standard response that they reserve right to close any account. I am opening new complaint today ( XX/XX/XXXX ) due to lingering account closure. The original transaction was for $ XXXX, and BOA put a hold for $ XXXX. Today ( XX/XX/XXXX ), BOA placed an additional $ XXXX of debit on my account making a total debit of $ XXXX on hold. This whole episode is causing a lot of stress for me. I would like bank to resolve the issue, and close my account and release my pending balance.
Consumer complaint received 2020-10-31
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. (NY)

Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXX XXXX  XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XXXX XX/XX/year> I place a pickup order with XXXX XXXX for {$24.00}. That order contained a clump of hair. On XXXX XX/XX/year> I requested assistance from XXXX XXXX XXXX XXXX. XXXX acknowledged receipt of request. On XXXX XXXX they requested more time to respond. But they still haven't responded. So, on XXXX XX/XX/year> I filed a dispute with my credit card company. A couple days later I checked the status, and it stated more details were needed, but it didn't say what details were needed. On XXXX XX/XX/year> I asked the company what details were needed. They asked questions about the return. I stated that information was provided in the dispute filed on XXXX XX/XX/year>. I then repeated them to the company. They then said I had to create a document in XXXX XXXX to provide those details. But I don't have XXXX XXXX. Plus, the details were already provided XXXX. Why do I have to provide them for a XXXX  time? 

By asking for the same information to be provided XXXX times it proves that the company is not properly handling the dispute.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

A debt collector has placed the same collection account on my credit report 3 times. This is seriously affecting my credit score! 

Derogatory Account Reported By I.c. System, Inc Reported On XX/XX/2020 ( also reported in the XXXX, XXXX ) Account Balance {$390.00} Each time they change the amount to make it appear as a new account!
Consumer complaint received 2020-07-08
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. (AZ)

After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, TransUnion, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.