davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (NY)

I am writing to dispute the following information supplied to XXXX and XXXX. 

This item from Rent Recovery Solutions with a balance of {$4400.00} is not mine. On XX/XX/2024 I spoke with a representative of Rent Recovery Solutions. The rep searched my name and number and I am nowhere in your system so she could not begin a dispute. 

I have disputed these actions with XXXX and XXXX. Per XXXX RENTRECOVERYSOLUTIONS does not have enough information to confirm this debt and each time I call RENTRECOVERYSOLUTIONS they can not find me in their system. 

The original creditor XXXX XXXX and XXXX is a company who has apartment complexes in XXXX- a place I have never lived and a company I have never applied for credit with. I will be sending mail to them as well. I am requesting this loan in collections be removed from my credit report.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I purchased three articles of clothing totaling XXXX from Jessica London using their store card through Comenity-Jessica London . The clothes did not fit so I returned them within two days of receipt as per their policy of free returns. I received a bill dated XX/XX/XXXX for the items so called the customer service number. They acknowledged receipt of the returned items and said it sometimes took a few days to credit so not to worry about it. I received another bill dated XX/XX/XXXX with a XXXX late fee plus interest charged. The return had not been credited. I called customer service and they said they would take care of it. I continued to receive bills each month and called and was told they would take care of it. Finally in XXXX they provisionally credited my account for the returned items plus interest and fees. This credit was reversed three months later. I have disputed this on my credit report and despite Jessica London repeatedly telling me they received my return items this report has continued to show as a negative on my credit report, causing me to be declined as well as pay higher interest rates. I have disputed on the three credit reporting agencies and each time they say this is valid. It is not. I want this deleted from my report and all negative reports to be removed.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I have disputed this account more than XXXX times now and Ive asked for proof in each letter that Ive written. Ive also asked for this proof verbally over the phone and with the credit bureaus via phone/Letters all certified yet, I have not received any proof that I owe this debt it has only been updated and came back as verified on each occasion. I have asked the XXXX Credit Bureaus to go beyond the original source yet all attempts only came back as verified and updated without sending all disclosures documents and signatures of mine confirming this step with the CCS. This is willful negligence I would like to file charges.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (OK)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems is reporting a collections on an account that was opened XXXX. The amount reported is {$180.00}. 

I asked them to verify this - sent them a letter in XXXX. 

I filed a complaint with XXXX- they researched and removed the reported account from my XXXX credit report. 

XXXX XXXX XXXX have not. 

I DID NOT OPEN ANY ACCOUNT IN XX/XX/2023. I do not owe {$180.00} but they refuse to verify the debt.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Credit Karma (FL)

On the XXXX of XXXX, I found myself in a distressing situation when Credit Karma abruptly closed my account. Their reason? Allegedly, they had sent an email back in XXXX requesting account verification. However, I can say with certainty that I never received such an email. This closure came at an incredibly inconvenient time for me, as I had just completed filing my taxes using XXXX. To expedite the process, I had opted for the refund advance program offered through Credit Karma, which allowed me to receive {$2500.00} in advance against my anticipated {$16000.00} tax refund. 

It was a relief to have access to these funds, especially as a single mother responsible for XXXX children. Our financial stability heavily depends on the timely receipt of my tax refund, particularly at the beginning of the year. However, the sudden closure of my Credit Karma account has thrown my entire tax return into limbo, leaving me in a state of uncertainty and anxiety. 

Adding to my concerns is the fact that I recently relocated from Maryland to Florida. The move itself was already a significant transition, but now facing financial uncertainties amplifies my worries further. The decision to utilize the advance program was made to alleviate financial strain, not to endure additional stress and uncertainty. 

What's most frustrating is Credit Karma 's apparent lack of accountability and unwillingness to rectify the situation. Despite my attempts to seek clarification and resolution, they have been unresponsive and even disconnected calls while I was trying to address their unjust and unethical actions. 

As a responsible and hardworking individual, I find it deeply distressing that a company would toy with my livelihood in such a callous manner. I hope that Credit Karma will recognize the impact of their actions and take steps to rectify this situation promptly.
Consumer complaint received 2024-05-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

HELLO, MYNAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN OBTAIN A LEASE IN MY NAME FROM THE FUSE AT XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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. (GA)

I've been fighting with these bureaus since XXXX of last year to remove fraudulent information that keeps coming up on my report. They have provided no proof that it is mine, but have claimed the information was verified. At this point I'm ready to sue if this information isn't removed promptly!
Consumer complaint received 2023-07-20
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. (AZ)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-27
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

XXXX  month of using card, the automatic payment was not working so it was not paid amount {$29.00} XXXX month statement I saw it and paid $ XXXX interest and paid full of XXXX month payment {$580.00} on time. 
XXXX statement, they charged another interest charge {$25.00} eventhough I paid it on time. 
They explained it is because the XXXX  month was lated so charged for the XXXX month for concern of late but it was not late. 
And they said all credit card do that way but I never heard about it. Finally they said it is term of Comanity with XXXX XXXX not XXXX.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (AL)

We received a letter in XXXX of XXXX that Fay Servicing was our new servicer for our mortgage which was XXXX XXXX XXXX. We had been with XXXX XXXX XXXX for years and we were pretty close to paying off our mortgage. Once XXXX took over the mortgage, they started demanding the full amount of more than the loan was ever for. We purchased our home in XXXX and started payments around XXXX and had never refinanced our mortgage or anything. The original loan was only XXXX over XXXX  years ago and we have made payments on our mortgage and they were claiming XXXX! That means we would have NEVER made a payment on our home in XXXX  years. Doesn't make sense. We ended up in bankruptcy a few times off and on since XXXX XXXX and are currently in bankruptcy. We have only been with Fay since XXXX and they have already tried to foreclose on our home 4 times. They are always charging excessive corporate advance fees ( which I do not know what that even is ) and I don't believe payments have been applied correctly. We received assistance from the housing authority last year and they applied XXXX to interest. They also placed hazard and flood insurance on our home in extreme amounts. I have spent days and weeks trying to contact who exactly XXXX Mortgage and get copies that XXXX XXXX XXXX sold the mortgage. Fay 's monthly statements are weird because they all have something a little different about them and they are even missing almost a year 's worth of statements on our online portal. They also do not show payment history or transactions. I have requested insurance information, payment history, and proof of the mortgage asking them to be the servicer. Some of the documents mention a deed of trust and they do not have a deed of trust. I have only attached just a few of the documents. I can send more if needed but wasn't sure how many files it would accept.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

About 1 years ago, one of my XXXX XXXX XXXX XXXX  XXXX  after eating. I rushed to the nearest dentist office to get it fixed. I was told thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The dentist office told me that the XXXX  would cost about {$10000.00}. I did not have anywhere near that kind of money so they offered me a credit card ( Alphaeon ) that I could use to pay for the XXXX  and I could pay them back monthly. I agreed and have been paying every month ever since. So far, I have paid back nearly {$8000.00} and I currently have a balance of NEGATIVE {$1300.00}. Their explanation was that these were due to 5 different promotional interest rate charges. I did not at anytime agree to any of these promotions nor this absurd interest rate. I had several more minor work done and no one ever mentioned anything about a promotion and the total debt is about {$14000.00}. I had excellent credit at the time of had the dental work done and started with this credit card company and since then it has done nothing but drag down my credit score despite always paying on time. Alphaeon sent me an illustration showing that if I only pay the minimum amount it would take me 26  years to pay off this debt and cost me {$46000.00}. Mind you the minimum payments are in the {$500.00} range. The illustration said that if I pay {$620.00} a month it would be paid off in 3 years. I have no problem paying for the dental work that I received. I don't even have a problem with paying a little interest but this is outright robbery. How can an American citizen be subjected to this kind of predatory practice. On what planet does someone pay {$8000.00} toward there {$14000.00} loan and still be negative {$1400.00}? I've attached several images showing my payments and their correspondence.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Denied for a Chase Southwest Credit Card. 

Applied for card in XX/XX/XXXX. 

My application was denied saying that I received a card member bonus within the last 24 months from my application. 

This could not be the case because I received my new card member bonus on XX/XX/XXXX to XXXX XXXX Credit Card XXXX in the amount of XXXX. 

This is greater than 24 months from my application date, and is a violation of their own agreement terms.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (IL)

I received XXXX text messages to my cell phone : XXXXfrom " Halsted Financial, a debt collector regarding your XXXX XXXX XXXX issued by XXXX, XXXX account . Visit hfs.halstedfinancial.comXXXX XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. California license Number : XXXX '' XXXX '' Visit XXXX XXXX XXXX  or call XXXX to take advantage of payment options on your outstanding balance of {$690.00} for your XXXX XXXX XXXX issued by XXXX XXXX account XXXX '' I have never had such an account. I called the number from my work phone and spoke with " XXXX '' who requested by SSN and phone number. I refused to give either. I told her I believed the text messages are part of a scam and I am reporting to the appropriate agency.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00}
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

have been disputing these items with these companies for almost a year! I provided police reports and asked for validation of debt ( signed contract ect. ) and they have YET to provide that but keep saying its on me! My identity was stolen! And Ive have proved them with everything I can KEEP disputing and they keep denying my claims. 

XXXX XXXX Is reporting that I owe XXXX credit cards and I dont even have a account with them the debit they say belongs to me in the amount of XXXX and XXXX and some change NEVER HAD THIS ACCOUNT and they REFUSE to remove this from my report and have YET to provide proof or debit BECAUSE THERE ISNT ANY! They just want to have someone to keep debt connected too! This needs to be removed it XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2023-06-20
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. (GA)

I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I demand the accounts below be removed because : according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX Credit Card and Auto Loan
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit score recently went down by XXXX points and the only thing that changed is XXXX decided to start reporting my student loans TWICE and incorrectly so it now looks as if I have more than double the debt. For reference, they have two older reports ( with the last payment showing as XXXX and I just made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, etc ) that show incorrect student loan balances of in excess of {$26000.00} altogether ( one approximately {$9800.00} and the other approximately {$16000.00} ) - these amounts and payments are incorrect and need to be removed from my credit. They ALSO have an entry for approx. {$25000.00} - this is the only correct entry on my credit and includes the ENTIRETY of my student loans. I do not owe over XXXX XXXX DOLLARS anymore - and they will not fix it. They claim they are unable to even look into it unless I file a dispute with experian first. I have done so but how lazy and cruel? Your ( XXXX ) poor accounting and reporting caused my credit to drop by XXXX points while we are shopping for a home for our family and you cant be bothered to fix it unless forced to do so by an outside party? I am extremely disappointed with this servicing company. Please provide more oversight. Perhaps if they remember the watchdog is watching they will behave a bit better.