davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

XXXX XXXX was paid {$9700.00} by State of Georgia rental assistance covering rent from XXXX XXXX. I moved from the home managed by XXXX on XXXX 2022. I have called XXXX several times inquiring about said funds and the continue to say they never received the funds. I received verbal and written confirmation from the caseworker at GA dept of Consumer Affairs that said funds were indeed sent to XXXX XXXX. Since the XXXX has sold my account to National Credit Systems with a balance of {$8400.00} and this information is now listed as a collection on my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FC HoldCo LLC (IL)

XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/24 I received an email from JP Morgan, Chase indicating that I had applied for a credit card. I also received a notice from XXXX XXXX that there was a hard inquiry on my credit report which matched the inquiry from Chase. I did not submit a credit card application and believe this will be fraud on my account. 

On XX/XX/24 I received an email from XXXX  XXXX indicating that I had applied for a credit card. This did not appear as as a hard inquiry on XXXX XXXX, so I did not look into it further, but realize that this may be connected to fraud as well.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Was attempting to payoff this credit card via loan from my credit union, XXXX XXXX XXXX. On XX/XX/XXXX, received payoff letter from Capital One. The letter referenced last XXXX digits of my account plus a case number. The check XXXX XXXX XXXX mailed Capital One included the last XXXX digits of my account plus the Capital One Case Number on the check. They also included a copy of the payoff letter. 
Capital One rejected the XX/XX/XXXX payment stating Check/money order did not include a valid Capital One credit card number. Subsequently by the time check was returned to my credit union a month later, I was slapped with {$180.00} in interest. 
Why was the check rejected, it contained the identical information that was provided on the payoff letter. 
Spoke with Capital One Supervisor XXXX, employee ID XXXX, and he stated the interest could not be waived and that I can not escalate beyond him.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (CA)

In 2022 I received a letter from XXXX XXXX XXXX saying that I owe around {$11000.00} and must be paid within a set time. Initially I thought it is a scam letter and ignored it but I kept getting same letters. So I tried to contact them on the phone and informed that I have never applied for a loan and never received any loan amount. But I kept getting the debt due letters from XXXX. I have written couple of letters to XXXX XXXX, XXXX requesting for proof of my application, approval of loan, email sent, proof of check issued and to whose name, or proof of money deposited and to which bank. I never got any response. I filed a complaint to Federal Trade commission and received acknowledgment of complaint and was told that they have contacted the bank to send the necessary documents. I then received a mail with a form for police report of identity theft but since I never filed a police report I could not fill up the form. So far I have never received the proof that I requested. Yesterday I got a letter from Mandarich Law firm with intent to sue for non payment. I am an employee of USPS with basic salary and I feel I should not be responsible to pay such a large amount which I have never borrowed. I will appreciate if you could help me in this regard. I am attaching the letters I mailed to XXXX XXXX. XXXX company, and the mail I received from the Mandarich law firm. Thank You.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Per 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication. Please cease and desist all calls and any other contact with me immediately.
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Portfolio Recovery I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in 2017, which has had significant repercussions on my life since then. 

On [ Date ], my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Sears citi credit card is reporting a late on my credit report over a disputed amount I initiated an investigation on approximately XXXX of XXXX. They failed to investigate timely and properly it went into XXXX. Not only did they refund me by paper check I also paid the XXXX in XX/XX/XXXX when they reported me late. I called and spoke to managers and they said they were not going to report anything to the disputed amount to the credit agencies and I trusted that response. My credit is flawless besides this mark and it's has affected my ability to obtain credit, or effected the interest rate at which I obtained credit. I contacted SEARS multiple times and disputed with all three credit agencies SEARS CITI refuses to remove the late claiming its accurate. I offered to send confirmation of payment as well and they refused it as well as requested statements over a month ago and still have not received any. I spoke with many during XXXX over this issue and many gave inaccurate information as well as other information and I was told it would all be corrected, it wasn't.
Consumer complaint received 2024-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I seen two recent hard inquiries on my XXXX report that I did not authorize. I ask XXXX to delete those inquiries as in today since I have a credit freeze on my credit report and extended fraud alert on all three credit reports. The first one was bank of America, I know I can't get an account with them since XXXX  so why would I apply? The next one was credit plus XXXX  XXXX. The same thing happened to me 2 years XXXX XXXX and XXXX. XXXX have employees letting creditors check credit report without alerting the consumer.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Denali Capital Holdings, LLC (NJ)

I am a victim of identity theft. My personal information was used to obtain credit and loans without my knowledge or consent, including an account with XXXX XXXX. I recently learned that XXXX XXXX reported a fraudulent account as delinquent/charge-off of my XXXX credit report ; however, I was informed that the account was sold to Denali Capital and that Denali Capital is reporting the account to XXXX. I have been unsuccessful in my attempts to speak to anyone at Denali Capital and they continue to report this fraudulent account on my report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year> I received an email from XXXX XXXX, XXXX indicating that I had applied for a credit card. I also received a notice from XXXX XXXX that there was a hard inquiry on my credit report which matched the inquiry from XXXX. I did not submit a credit card application and believe this will be fraud on my account. 

On XX/XX/year> I received an email from capital one indicating that I had applied for a credit card. This did not appear as as a hard inquiry on XXXX XXXX, so I did not look into it further, but realize that this may be connected to fraud as well.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

during covid XXXX  my mortgage payments were suspended for 3 months. after 1 month I started paying my mortgage and have been current for 3 years. 
Truist Bank has used those payments and applied them to unapplied funds. which now total over {$120000.00} and have not applied these payments to my mortgage. 
I have tried to correct this with them for over 3 months and they continue to say they are having internal audit problems. 
I have not receive the XXXX  year end statement because of this they claim they will send but have not.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MA)

In accordance with the fair credit and reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Underpaid Comenity-Lands End Visa Credit Card by {$.00} by mistake on XX/XX/year>. Bill was {$14.00}, and I paid {$14.00}. I recieved a bill from them but did not open it in time as I had not charged anything further to Lands End and did not expect a bill.

The bill was for {$16.00}, {$14.00} in late fees and {$2.00} in interest. Called Comenity and they waived the late fee but would not waive the {$2.00} interest. I paid the {$2.00} a day late on XX/XX/year>. Now I have received another bill for {$33.00} but was told on the phone by a Comenity Supervisor that {$18.00} is due and there will be no further waiver of fees. I paid {$20.00}, the {$2.00} overage both to annoy them and to make sure there would not be another {$2.00} interest charge. 
I asked to cancel the credit card on my first call expecting to be transferred to someone who could waive the {$2.00} fee and accept the day late payment without further charges. Instead the original customer service person cancelled the car. 
In summary the {$.00} error has cost me {$22.00} and a card that I enjoyed using.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MD)

Victoria Secrets Store Credit Card was CURRENT with a small balance of {$400.00}. Then Victoria Secrets went out of business, closed there storefront in Maryland where payments were made, & Victoria Secrets declared Bankruptcy. This was XXXX XXXX. So, then I get contacted by a 3rd party XXXX XXXX claiming they are working for Victoria Secret to collect XXXX XXXXXXXX & its a lawsuit of some sort. Its a completely wrong amount more than double the balance left on the card when Victoria Secrets went Out of Business and filed Bankruptcy. They completely disregarded multiple payments made on the Credit Card. I actually think theyre a fraud XXXX company, and I feel a bit like a XXXX XXXX  in XXXXXXXX XXXX XXXXXXXX!
Consumer complaint received 2023-08-09
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)

A few months ago a collections account appeared on my credit file as " XXXX XXXX XXXX XXXX '' .. initially it was for {$300.00} and then it was for {$1200.00} and then it said that I paid {$600.00} of it or {$900.00} and then now it says it's 140 days past due and I have no idea what this thing is. I have sent the company a certified letter to validate the debt and has been over 30 days since they had received it yet the company still continues to negatively impact my credit file reducing it by over 100 points. originally i sent this complaint # XXXX to the cfpb who stated that they referred this to the FTC regulatror . the tracking number for the debt validation letter mailed on XX/XX/23 is XXXX the company did not respond in any way. I have disputed this directly with the 3 CRA 'S and they all said it was verified as accurate??!!!?? as of XX/XX/23 my credit report now says that not only is this account is some how magically 11 months past due but that the original balance was {$1200.00} and that i now only owe {$77.00}. this is blatant fraud it's also it's extortion as well the worst part about this whole thing is that I'm trying to go back to college and this has negatively impacted my credit so much to where I can't even get along my credit report has suffered XXXX points and now just simply removing that for my credit report isn't going to raise my credit report XXXX points and nobody is doing anything about it to help every Federal agency regulatory body and every XXXX XXXX XXXX Credit Reporting Agency it just allowed to get away with anything and I'm sick of it I disputed this with XXXX on XX/XX/23 and again on XX/XX/23 Despite the obvious inaccurate info and proof of this through the inconsistency of the reporting and the company violating FDCPA regulations no less then 3 times and the company failing to respond to a debt validation i sent 100+ days via usps certified mail The credit reporting agency states " Disputed information was verified as accurate '' This only way that they could possibly draw this conclusion is if they NEVER even looked at it and simply rubber stamped it and pushed it through
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wasn't able to comprehend why this happened on my credit report. I want you guys to help me to remove these late payment remarks that this company has listed here in my credit report.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX Store Credit Card was CURRENT with a small balance of {$400.00}. Then XXXX XXXX went out of business, closed there storefront in Maryland where payments were made, & XXXX XXXX declared Bankruptcy. This was XXXX XXXX. So, then I get contacted by a 3rd party Midland Credit claiming they are working for XXXX XXXX to collect XXXX XXXXXXXX & its a lawsuit of some sort. Its a completely wrong amount more than double the balance left on the card when XXXX XXXX went Out of Business and filed Bankruptcy. They completely disregarded multiple payments made on the Credit Card. I actually think theyre a fraud XXXX company, and I feel a bit like a XXXX XXXXXXXX in XXXX XXXX XXXX!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

I have not opened any student loan account in XXXX. My student loan accounts were paid in full on XX/XX/year>. I have not authorized any student loan disbursements with my name. If otherwise, please send me the lender 's contract with my signature.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Climb Credit Inc. (NJ)

Both XXXX and XXXX show that I have an open line of credit from a lender called Climb Credit. I never opened this line of credit. I never received a bill or statement from this lender. The website looks rather fishy. On my credit reports it shows that I am late in submitting payments to Climb Credit. I apparently have a balance of about XXXX USD. 

I submitted two disputes to XXXX and they both stated that the information and creditor is legit. I can not submit a dispute on XXXX because the dispute site is always down. 

Once again, I never opened nor have done business with Climb Credit. I tried to remove them from my account and have failed. Please help!
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2024 - I sent out a letter to XXXX, TRANSUNION AND XXXX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from XXXX stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from TRANSUNION which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from XXXX regarding the inacurate inquiries since XX/XX/XXXX.