davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (NY)

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account ( account # XXXX in XXXX XXXX XXXX XXXX  and account # XXXX in COMENITY BANK/ WAYFAIR ) - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs A copy of all pages of my International Passport is proof that I could not be in the US in XXXX when fraudulent accounts were opened using my personal information and providing a fake proof of address in California. To be honest, I've never been to California at all. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : - FTCIdentity Theft Report - Proof of identity ( copy of a NY State ID ) - Notice to Furnishers of Information - XXXX Verification of Incident of Identity Theft Report
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX  XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX  Date of Inquiry XX/XX/
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation (GA)

The XXXX XXXX XXXX was repossessed in XX/XX/XXXX I called the number I was given to the towing company to collect my belongings I called the companies 4 times no response. I left messages. I called XXXX again I left messages no response. I was told I had 30 days. Its now 6 months my XXXX XXXX was in that vehicle. I called every month no response.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to formally request the removal of a charge-off entry from my credit report. I understand that this account XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance : XXXX and subsequently reported to your bureau. 

I have taken significant steps to address and rectify the financial difficulties that led to the charge-off, and I would like to kindly request your assistance in removing this derogatory entry from my credit report. 

I acknowledge the financial challenges that led to the charge-off, and I take full responsibility for the situation. However, I believe that the circumstances surrounding this charge-off do not accurately reflect my current financial standing. 

I kindly request that you investigate and verify the details of this charge-off. If it is found to be inaccurate or incomplete, I request its immediate removal from my credit report. I am committed to rebuilding my credit and maintaining a positive financial profile. 

I understand that the reporting of accurate and up-to-date information is crucial for the integrity of credit reports, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the steps taken to update my credit report. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance : XXXX.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C. (AL)

I had signed a lease with the XXXXXXXX XXXX  XXXX around XX/XX/XXXX, XXXX months next I had called them to terminate the lease before it had even started, it was supposed to start in XX/XX/XXXX they told me that they had terminated and canceled it, no problem from there on out. On XX/XX/XXXX, I received a letter in the mail from a debt collection agency requesting that I XXXX XXXX XXXX owe {$8000.00} for a lease for the XXXX XXXX  XXXX XXXX. I gave them a call and explained to them that they told me that they canceled the lease, the apartment XXXX XXXXmed to not want to work anything out, although he did tell me that a tenant did replace me in the apartment. It seems to me that they were charging me for rent while someone else was living in the same apartment I signed the lease for, this is a violation of the law in the XXXX XXXX Alabama. I have disputed this collection with all XXXX credit bureaus, I submitted XXXX through XXXX, it came back as accurate, I submitted a XXXX dispute, it had been removed. I submitted XXXX through XXXX, they came back and said it was accurate, I submitted XXXX through XXXX, I am still awaiting a response. It doesn't make sense to me how they took really long to respond to all of my disputes as well. When they came back with a response with XXXX, they provided XXXX information or proof regarding my debt, all that I received was that it was validated as accurate. I called the XXXX XXXX XXXX, whom was in control of my debt, they said my debt had been passed off to a law firm by the name of Brett M. Borland Law Firm, I have received XXXX calls from them, nor are they represented on my credit report. I do not find this debt collection fair and would like for it to be investigated.
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

On XX/XX/year>, I went on a tour of an apartment complex, XXXX XXXX XXXX. I never completed an application nor did I express any interest in the apartment. In XXXX and XXXX, I received debt notices stating that I owed {$120.00} for completing an application or for move-out fees. I informed them via phone and email that I did not apply for an apartment with them and that I have never lived there. I never uploaded any documents or provided any sensitive information to complete the application. 

On XX/XX/year>, I spoke with XXXX, who claimed the charge was for move-out fees. I reiterated that I had only toured the apartment and had never lived there or completed an application. She promised to investigate and call me back, but instead sent an email claiming she had called, which she had not. Subsequent attempts to reach her by phone went unanswered. 

I called each time I received a debt notice. They either assured me they would inform the original tour guide or the property manager. On XX/XX/year>, at XXXX XXXX, after receiving a paper debt notice from National Credit Systems , Inc., I spoke with XXXX. He told me to speak with the property manager, XXXX XXXX. Despite multiple attempts and leaving messages, I have not received a call back from her. 

I am submitting a complaint for fraudulent and unethical activities against National Credit Systems XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They unethically retrieved and shared my personal and sensitive information without my consent, and are now sending debt collection notices to my new address, for which I am not responsible. The information provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX new address after relocating to XXXX, FL, which I did not give them. Therefore, XXXX XXXX XXXX XXXX XXXX my sensitive data without my consent.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On Friday, XX/XX/XXXX, my debit card was declined. I called the Chase phone number on my debit card and asked why, and the Chase employee told me that my account is being closed, he can not tell me why. I asked if I could close my account in a branch and receive my funds, and the employee said yes. 

I went after work to the Chase branch on Friday XX/XX/XXXX and spoke to a banker there. He said that my account is being closed, he can't tell me why, and that I will receive my money within 10 calendar days. He was specific that it was 10 calendar days. I asked him because it was strange for him to say that, but he confirmed it. He said I would receive a check and an explanation for the closure. 

Today is XX/XX/XXXX, 11 calendar days later. I have not received the check in the mail. I went to the branch and spoke to another banker, and he said the previous employee was mistaken, and that I would have to wait 10 business days for the account to close, and then receive a check in the mail after that. How many times is Chase going to lie to me? How long will I have to wait.
Consumer complaint received 2024-05-28
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: CITIBANK, N.A. (MA)

From XX/XX/24 to XX/XX/24 I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX Citi Bank, XXXX XXXX and XXXX XXXX. None of these were made by me.
Consumer complaint received 2023-09-19
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: Exeter Finance, LLC. (MI)

I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 
Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2024-05-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I have 2 savings accounts through this bank. I had left them untouched for an extended period of time both accounts went to " inactive '' state due to inactivity. When I realized the accounts went " inactive '' I reached out to Citibank to initiate the process to reactivate them asap to withdraw the balance and close the accounts. I have followed their instructions and have sent them the required paperwork to re-activate both accounts. Initial date of contact with Citibank was XX/XX/24. I received instructions to reactivate accounts, I followed through with that and until this they continue to refuse to reactivate my accounts stating they will follow up with the process and return to me with an update. It's been over 2 months and no answers from Citibank nor are my accounts reactivated. I just want what is rightfully mine ( my money ) and close those accounts asap.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX has failed to validate that this account is reporting with maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts initiated through both the credit bureaus and collection agencies to have this account validated, I have not received a response. I have reason to believe that reasonable procedures were not conducted on these accounts, evidenced by current violations found in relation to my credit profile and the presence of unverified accounts. 

In the event of a dispute, it is imperative to address the following concerns : How can a disputed account be considered resolved if the customer disagrees with the resolution? 

Who resolved the disputed account, and were reasonable procedures performed? 
It is a violation of my rights to claim that an account has been resolved if I did not resolve it, especially if it continues to report inaccurately. 
Furthermore, XXXX XXXX XXXX has violated FCRA 623 ( a ) ( b ) by failing to mark this disputed account as disputed. ( Letters attached below demonstrate when the account was initially disputed. )
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Someone used my information to apply for an apartment without my knowledge or permission. They pretended to be me. Now Im being harassed for a debt that doesnt belong to me. 
National credit system XXXX Original creditorXXXX XXXX XXXX for {$4500.00}
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-29
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain items 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. 
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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WV)

I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitoredXXXX XXXX XXXX XXXX and https : //www.vec.virginia.gov/XXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXXSince my work as a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/2023. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/2023 ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to bring to your attention a matter of significant concern regarding the inaccurate information on my credit report, as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute certain discrepancies, and to date, I have not received a response. I am seeking your assistance in resolving this issue and ensuring that Equifax complies with the Fair Credit Reporting Act ( FCRA ). 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Issue : The reported balance of {$2500.00} is inconsistent with my recollection. I request a revision of the Past Due information, as presenting a Past Due amount for a closed, charged-off account is inaccurate. This discrepancy may have adversely affected my credit score. I urge your agency to mark this account as disputed to prevent further negative impact on my credit score. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account was never late. Please correct and update this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Issue : This account was never late. Please correct and update this inaccurate information on my credit report.