davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (VA)

During the winter / spring of XXXX, I began receiving calls from Comenity Bank regarding the collection of money. I dismissed the call as a scam and ignored the subsequent calls for months and even blocked the number on my phone as I was receiving calls daily and multiple times a day. In the fall XXXX, my wife told me she received a phone call from Comenity Bank as they were asking for me ; she told me it XXXX be real and that the bank was, in fact, owned money by XXXX XXXX XXXX. She advised I look into it. I did call the Federal Trade Commission XXXX and reported identify theft. I also called the credit bureaus and reported to them about the incident as to not affect my credit rating. I also called Comenity Bank and filed a fraud report with them regarding identify theft. I mistakenly failed to file a police report at that time. The calls stopped and I didn't hear much more about the incident and thought if was resolved. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX and was summoned to court in XXXX XXXX on XX/XX/XXXX. This issue has not been resolved.
Consumer complaint received 2024-07-22
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: Atlanticus Services Corporation (NY)

Subject : Dispute of Inaccurate Information Due to Data Breach Dear Dispute Department, I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

On XX/XX/XXXX, I decided to upgrade my XXXX  XXXX XXXX  account. I was unable to successfully upgrade. I called XXXX  XXXX XXXX XXXX the same day. I was advised the reason I was denied access was information was return by LexisNexis indicating their records show that I am deceased/dead. Also, on XX/XX/XXXX, I applied for a checking account with XXXX XXXX. My XXXX XXXX  application was declined. The reason was the inability to verify certain information that is required under the XXXX XXXX. Since this time, I submitted online inquiries to LexisNexis on XXXX. They responded to me on XX/XX/XXXX requesting additional documentation. I provided a copy of my driver 's license and current utility bill within the last XXXX  days. LexisNexis has me showing in their system as deceased as of XX/XX/XXXX. I have a XXXX XXXX XXXXXXXX XXXX XXXX, who died on XX/XX/XXXX. Our social security number is identical for except the last XXXX digits. I have tried to call LexisNexis on several occasions. I have submitted an additional online inquiry, however, have not heard anything from them. This is an inconvenience and I need this corrected as soon as possible.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Shermeta Law Group, PLLC (CA)

On XX/XX/year> an address in the state of Michigan belonging to a family member attempted to be served papers in my name. I am not a resident of Michigan, have not been a resident of Michigan in several years. XXXX has filed a lawsuit against me in an entirely wrong jurisdiction which violates the FDCPA. The law firm acting on behalf of XXXX also partaking in the FDCPA violation is Shermeta Law Group PLLC. Lawyer name on lawsuit is XXXX XXXX who is also violating FDCPA
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I provided a police report indicating I was a victim of identity theft and requested to have the accounts removed from my credit reports, I also requested proof of verification that the accounts belong to me. I didn't receive proof of verification nor did the bureaus remove the accounts. These action took place on XX/XX/year> for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX Discover Credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ; 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from XXXX, TransUnion, and XXXX have been met with deafening silence. In a world where financial integrity is paramount, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

I called in XXXX to close the account then in XXXX they took money from my checking account. I called them. Told them I closed the account in XXXX upon further looking she saw I requested a statement showing I had a XXXX balance and I wished to close the account. She would close the account. I asked that my {$10.00} be returned. The money was returned now they say XXXX behind and charged me I late fee. I want this problem fixed. I called back and the lady said XXXX hours but every day I get a text from them I owe them {$38.00}. 
The last XXXX number are XXXX. 
I wish this problem be fixed and no late charge on an account that is closed. 
Thank You XXXX XXXX
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MO)

This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new XXXX.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX. {$0.00} XXXX bal. {$6600.00}
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

My credit report is showing that I owe {$7800.00} to Jefferson Capital System - regarding a " XXXX Rewards ''. I have never had a XXXX account and so I called XXXX capital to dispute. When I called them they told me that this account was from XXXX  and that XXXX XXXX and XXXX owned it. They told me that they would mail me proof. I would like to see this proof as I have never had a XXXX card and also, from what I can tell XXXX  and XXXX are not associated with each other so nothing that he said made any sense. CFPB, please help. This fraudulent charge is really hurting me. I am waiting for this so called proof and I would also like that call listened to by Jefferson capital management as what this guy said made NO sense. Please help!!
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute an account on my credit report that I do not recognize and believe to be inaccurate. The details of the disputed account are as follows : - Account Name : RESURGENT/LVNV FUNDING - Account Number : XXXX - Date Opened : XX/XX/XXXX - Account Name XXXX : RESURGENT/LVNV FUNDING - Account Number : XXXX - Date Opened : XX/XX/XXXX I have no knowledge of these accounts, and they are not mine. I am requesting that these accounts be investigated and removed from my credit report as it is causing harm to my credit score and do not accurately reflect my credit history. 

Please find attached copies of the following documents to support my dispute : Please conduct a thorough investigation into this matter and inform me of your findings and the actions taken. I expect to hear back from you within the 30-day timeframe as stipulated by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

This account is invalid. WELLS FARGO BANK N.A needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I am writing to express my concern and frustration regarding an unauthorized withdrawal that was made from my US Bank account on XX/XX/24. The amount of {$620.00} was withdrawn to settle a US Bank debt incurred by my ex-husband, While my ex-husband is listed on my checking account, we are divorced. He does not contribute any funds to it. This account is primarily used for depositing my work income and managing my personal expenses. The withdrawal of funds for his debt has caused significant financial strain on me, as this money was meant for my living expenses.I kindly request that you investigate this matter urgently and provide a resolution. When I visited the branch today, I explained everything. The person helping me out said I could file a dispute but then when she noticed the debt was from US Bank, the same bank, she said I couldn't do anything about it. I had been with US bank for years and was very disappointed that the US Bank did not offer me a resolution. I am seeking the immediate reversal of the withdrawn amount. I can send all the proofs, the divorce decree, my work direct deposit information or whatever you request. I look forward to your prompt resolution of this matter.
Consumer complaint received 2024-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I ask XXXX for the records the FURNISHER or Vendor used to Verify my on going dispute. I personally called Capital one said they don't have any information with my name and Social security number. XXXX, XXXX is out of business no phone available, I mailed letters no response. My question is how can the FURNISHER and Vendor, verify or update my information. Capital One don't have any information, XXXX, XXXX companies have no phone numbers available. XXXX sent this card saying they what the Fair Credit Reporting Act is. I will keep filing complaint until this inaccuracies are permanently removed from my credit report.
Consumer complaint received 2023-02-16
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NM)

Called the company multiple times, was told on three different occasions that they could not find a record of me in their system. Emailed on XX/XX/XXXX, trying to get an account number, and was never responded to. Finally on XX/XX/XXXX, someone from national credit systems was able to find my account, but told me that the account was already sent to an attorney 's office to file a lawsuit. Upon calling the attorney 's office, they were not able to tell me what the debt was for, or why I owed the amount that I did, and requested that I pay it in full. I have still never been told where the debt came from. I did live in that apartment complex for a very short time, however, when i left in XXXX they told me that nothing was owed because they were keeping my damage deposit, as well as my last month 's rent. I only lived there for 30 days. An entire year later, after not receiving a single notification from anybody, I attempted to apply for a loan and was told I had a collections account on my credit report. I was never notified of the debt, and i was never able to get into contact with the collection agency until recently, when they told me that they were filing a lawsuit.
Consumer complaint received 2019-07-06
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: Experian Information Solutions Inc. (FL)

In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

In the past couple of weeks I have received several phone calls and emails stating that I oe a debt of {$37.00} to XXXX from TrueAccord. I verified with XXXX that I do not owe anything and am up to date on both of my accounts with them. XXXX has taken a report and recommended that I do not respond as this is fraud. However, I would like it for TrueAccord to stop calling and emailing me with this fraudulent information.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

I had a Sofi checking and savings account for a month or so and I opened a account on the invest portion on the app not knowing what I was doing I deposited {$500.00} bought 2 stocks then the next day I panicked thinking I was going to lose my money I sold the 2 stock and tried transferring the remaining funds into my sofi checking well they froze everything and now money is going missing
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!