davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Brett M. Borland, P.C. (UT)

Hello, I am reaching because I was a financially affected from COVID-19 & the global shut down that happened in XX/XX/2020. I had recently graduated from XXXX XXXX XXXX XXXXXXXX that same week. My only source income was XXXX XXXX XXXX XXXX XXXXe which ended which I was out of school. I was not able to work or find a job due to the government shut down. I reached out to several rental assistance program for help. The property manager at the time refused to submit their affidavit forms which resulted in denials from incomplete applications. I was finally approved for rental assistance XXXX years later from XXXX but the apartment complex XXXX XXXX is not under new management ( XXXX XXXX ) & the funds were sent there. I have documentations on my approval, the amount, date & the clearing document number. The current property manager keeps avoiding my communications as I need the funds sent to the correct locations because the delinquent balance has been sent to collections. This has affected me from applying for apartments & finding stable housing.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

AAA Travel Advatage Sigature Card holders through Comenity Capital Bank will credit my account {$100.00} if I charged {$2000.00} by XXXX XXXX. I charged, according to statements : XXXX {$1300.00}, XXXX {$710.00}, & XXXX {$570.00}, totaling {$2600.00}. I called XX/XX/XXXX they said they'd check into it. I called XX/XX/XXXX talked with " XXXX '', she agreed with me and filed a dispute. Received letter XX/XX/XXXX saying one of 5 reasons in the letter were not met, but all were met, wrote a letter stating the same. Received letter XX/XX/XXXX saying they are researching. Received letter XX/XX/XXXX saying that during the period in question only {$130.00} had been charged. I called XX/XX/XXXX, talked with " XXXX '', after researching the situation she said she agreed with me and the Comenity Bank does owe me {$100.00}. She said she will talk with her supervisor and straighten the matter out. It is now XX/XX/XXXX and has become obvious Comenity Bank willnot cover their obligation
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (TN)

My debit account ending in XXXX with BMO Harris Bank was defrauded by a merchant names XXXX  on XX/XX/XXXX with ( XXXX ) charges for {$130.00} each resulting in {$260.00} being taken from my account without my authorization on XX/XX/XXXX. I CALLED BMO Harris to report the fraud the same day as I routinely check my account daily. It was still pending. Thinking they can stop, reverse or cancel the transaction. BMO Harris said they couldn't do anything until it posts to my account. And during that conversation BMO rep told me they attempted several charges but only ( 2 ) went through I DIDN'T find that answer acceptable to me so I looked up Remitly and called them to explain I didn't authorize those transactions. Remitly rep said they couldn't find any charges with my name and or my debit card number and to let it post and work with my bank to resolve the fraud as remitly will work with BMO. the next day the charges posted I opened a fraud case of with BMO XXXX I was told a provisional credit will be provided as they investigate and attemp to recover and resolve the fraud. I NEVER received any credit back. I kept calling BMO Harris back day after day week after week in attempt to recover MY MONEY that BMO Harris gave away to thieves! I kept getting the run around with BMO Harris, it will be posted in 24hr then next Monday. Then I finally was told it was denied and to wait for a letter explaining why. They do this as a stalling tactic which is really dishonest. Instead of helping the client who entrusted their money within their institution, they disrespect them with these semantics. The letter said denied because a credit has already been issued. Which I NEVER received any credit and the charges where NEVER reversed! Now the only way to communicate with the group who makes these decisions are via email which they NEVER respond too! I am now getting defrauded by my own BANK! This can not be right! BMO Harris owes me {$260.00} and more now because of the aggravation they have put me through.I need answers and looking to sue BMO Harris they shouldn't get away with this theft of clients funds.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (NY)

Zwicker & Assocites in New Jersey are debt collection company. That buys debts from credit card companies and sues people telling them the credit card company hired them. Which is false. They buy the debt. They are calling my husband at work harassing him for money and information when the credit card is in my name not his .. they attached two different credit card agreements with two different last names to the summons. Every time we tell them not to call they call back with another number and texting me. They have over XXXX complaints on XXXX. Also the number they used to file the summons was not in service.
Consumer complaint received 2023-08-31
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. (IL)

My name is XXXX XXXX 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 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC (NE)

On XX/XX/2024, you National Account Systems ( a collection agency ) obtained a copy of my XXXX credit report without my written consent or authorization. Pulling a hard inquiry on any individual consumer report without written authorization or consent is a violation of federal law outlined by the Fair Reporting Credit Act ( FCRA ). I do not have a credit facility or collection account on my XXXX report with National Account Systems. I have never seen a collection company pull a credit report on an individual consumer. This is malicious activity and not a common practice. I am requesting National Account Systems remove the hard inquiry and any collection accounts added to the 3 major reporting agencies as a result of this unauthorized hard inquiry. They will not be able to provide any disclosures with my signature authorizing this access to consumer reports such as XXXX, XXXX, or XXXX. 

In XXXX of XXXX  I also submitted 2 complaints to the CFPB regarding collection accounts from National Account Systems. There are violations on how these accounts are reporting to XXXX and XXXX per the FCRA. XXXX and XXXX have continuously reported these accounts wrong and need to be deleted. 

I have attached the letter sent registered mail to National Account Systems dated XX/XX/2024.
Consumer complaint received 2024-05-21
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: CITIBANK, N.A. (CA)

I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the XXXX Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

-Citibank Best Buy -XXXX 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 2023-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Please see attachments of the information I am demanding. If Resurgent Acquisitions, LLC., willfully fails to comply a civil penalty will apply. Comply with the notices. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-31
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-06
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. (MO)

*This is not a duplicate complaint, new information is being submitted! 

The credit brueaus are not protecting the consumer. These accounts have been removed from my credit, yet keep reoccurring. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries from the latter companies. 
I've also been discriminated against for being XXXX, resulting in lower then my strong credit should and did reflect.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXXXXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist Bank- {$10000.00} was deposited into my account. I was informed almost have would be held for 10 days. That is totally outrageous. Not only that, it was a bank/cashier 's check!! This is not 1970. I spoke to two separate people at the local branch and corporate. They both laughed me off saying it was too bad because they have the right to do that. On top of that, I have no negative history at the bank.
Consumer complaint received 2023-08-31
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 11th 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 XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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)

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I want the Credit Bureaus to fixed this account nor be corrected right away : XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2023-08-07
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)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to remove the accuracy of the bankruptcy information on my credit report. After reviewing the report, I have identified discrepancies in the bankruptcy details, and I believe that the information reported is not entirely accurate. 

Bankruptcy XXXX XXXX XXXX US BKPT CT CA XXXX XXXX On XX/XX/2017 you verified a public record I had disputed. It was a Bankruptcy XXXX XXXXXXXXdismissed reported/filed on XX/XX/2017 I am now requesting the method of verification, including the name and address of the furnisher of information. Not the source, but the furnisher or subscriber. 

I kindly request that you investigate this matter and delete the inaccuracies on my credit report as soon as possible. I understand the importance of accurate credit reporting and appreciate your attention to this matter.
Consumer complaint received 2023-11-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC (NY)

The information on my credit report is inaccurate and under 15 usc 1681i ( 5 ) I need this deleted from from my credit report immediately I attached documents to support my reasoning and they also shared my info with relatives calling them and harassed them and myself The data above has not been certified to meet any specific reporting standards, and is therefore unreliable. I insist that any inaccurate, incomplete, or unsupported material be removed immediately. 

Also, see the image above for FLAGSHIP CRD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Balance Owed ( XXXX ) presenting {$7100.00} XXXX noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by XXXX XXXX. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 

I was looking at Date Reported ( - ) expressing XX/XX/XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
Upon inspecting Account Type ( XXXX ) exhibiting Installment. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from XXXX XXXX standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 

Viewing Date of Last Activity ( XXXX ) demonstrating XXXX You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?
Consumer complaint received 2023-10-06
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX