davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/XXXX Rent Recovery Solution XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against Rent Recovery Solutions for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Rent Recovery Solutions has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with Rent Recovery Solutions Inc. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with Rent Recovery Solutions proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. Rent Recovery Solutions conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Rent Recovery Solutions take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If Rent Recovery Solutions is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
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. (RI)

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 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I have called several times this week. My original rep would not answer or return my voicemail. I was wanting to know about my direct deposit from my job that they took even though XXXX XXXX said they wouldn't that this would all be resolved as he saw my presented proof. Well my direct deposit hit XX/XX/23 and they kept it all.I was also told I didn't need to cancel my auto bill pay when I asked so I incurred more overdraft fees. I tried speaking to Claims again and was told they couldn't discuss with me as I filed a report with you.
Consumer complaint received 2023-08-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

On XXXX XXXX we purchased a tv from Costco for {$790.00} in XXXX, California. We were told Costco had the best warranty so we used our Citi card to make this purchase. On XX/XX/2023, I lost my balance standing next to my tv and accidentally hit it with my elbow causing lines to appear on it, the tv no longer works at all. That same day, I reached out to Costco via their live chat on their website and told the employee what happened and asked if it would be covered, she said yes. I asked even if it was something we did by accident, she said correct. We followed all of the troubleshooting steps provided, but the tv still wasnt working properly. On XXXX XXXX we were notified that it would not be covered and would cost approximately XXXX XXXX dollars to repair. We reached back out to Costco and got transferred around via phone for over an hour. Nobody wanted to help rectify this or take ownership. We got a supervisor by the name of XXXX who listened to us and said she apologized we were given wrong info and would look into a compensation. This was on Thursday, XX/XX/XXXX. We gave her a few days and still didnt hear anything. On Monday, XX/XX/XXXX, we reached out via live chat again to get XXXX which took so much work. We asked for a supervisor right from the beginning and they kept saying it wouldnt be covered. We were already extremely frustrated at that point. XXXX sent an email the next day and stated there was nothing that could be done and she basically said that we misinterpreted what the first live chat representative said which is incorrect. I went to social media finally and got an email to reach out to. I sent in everything including screenshots. We were still told nothing could be done and they would make sure to talk to the employee about providing us with wrong information. At the end of the day, we need a new tv and want this to be rectified. If we are told something will be covered, then it should be covered. Costos customer service is absolutely awful and I hope nobody has to ever deal with this type of situation.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO. (TN)

This is more to add to complaint ID : XXXX Chase Auto called on XX/XX/2023 and told us they found the error and that the funds we paid were applied to the wrong account and the repossession was invalid. The gentleman I spoke with told me that the car would be towed back to my home on Thursday, XX/XX/XXXX, or Friday XXXX. I heard nothing by late afternoon from Chase on Thursday so I called them and they said that they are working on getting the car released back to me and will call the next day. I called again today ( Friday ) because once again by the end of the day, I heard nothing I was transferred to 4 different departments in Chase and no one knew what was going on. The car is supposed to go to auction On Tuesday, XX/XX/XXXX. I am trying to prevent that from happening because that will be another huge mess to deal with with a company that doesn't care.
Consumer complaint received 2023-01-25
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Ready Capital Corporation (FL)

I took out A Ppp loan for my business i completed the forgiveness application to its entirety and they did not forgive my loan instead they switched my loan to a personal loan with the company.
Consumer complaint received 2023-06-16
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Capital Bank/Comenity Bank has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. Please notify Comenity Capital Bank/Comenity Bank to do the right thing and remove the unauthorized hard inquiry from XXXX. XXXX also confirmed that Comenity Capital Bank/Comenity Bank XXXX XXXX. 

On XX/XX/XXXX, Commenity Capital Bank/Comenity Bank said the following but still has not acted to remove the Hard Inquiry : " It's our policy to comply with all applicable laws and regulations. We've reviewed the account and found no violations of law. We previously responded to correspondence regarding this same matter with our letter dated XX/XX/XXXX. XXXX submitted another request to the credit reporting agencies to remove the XX/XX/XXXX, inquiry from the credit reports. Were not affiliated with the other company listed in the correspondence. They will need to be contacted directly for matters related to them. ''
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have two hard credit inquiries on my credit from Bank of America. One on XX/XX/2022 and one on XX/XX/2022. These are false inquiries and are fraud. Someone has been applying for credit cards through Bank Of America in my and my spouses names.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (GA)

I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX XXXX informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact XXXX the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against XXXX, Equifax, and XXXX in regards to my complaints outlined in this complaint.
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX or XX/XX/2019, I took a money order ( and a cash advance ) from Chase for {$10.00}, and the total was {$15.00} including the {$5.00} additional charge for the money order. I took a cash advance while I have a credit card with Chase, I have no checking or savings account there. I pay off my credit card bill every month, in full, and have done so for the entire time I've ever owned / used any credit cards. I was fully expecting that I would pay for that {$15.00} at the end of month, and that would be the end of that. 

2 months later, in XX/XX/2019, I was still being charged an interest for this money order, so I called and asked why this was still happening. Apparently, according to the customer service representation, despite paying off my credit card bill every month on time, Chase " can not '' bill me for the interest that accrues during the full month until the next month 's statement, so interest will continue to accrue FOREVER and without end and I would have been charged for the next few decades in increasing amounts unless I specifically call and request that all interest and payments are paid off as of the date you call. 

This is predatory behavior. I had no issue making the full payment of the interest that was remaining, but I imagine many consumers would have been deceived and vulnerable to this ridiculous practice.
Consumer complaint received 2023-08-24
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. (WI)

Equifax is reporting a bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. Equifax is falsely stating this information on my credit report and yet to remove it.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : Name : XXXX Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2017, and I noticed an unauthorized inquiry had been made. 

I contacted XXXX & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-25
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I have been submitting countless and multiple dispute letters as well as CFPB Complaints demanding to the Credit reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Despite the actions I have taken, the Credit Bureaus failed to comply with my requests in accordance with the Federal law. The disputed accounts and information that I have been disputing were still being reported on my Credit file. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts as well as the information being reported resulted due to fraud and shoould be removed from my Credit file. I do not understand the point of the Credit Bureaus in continuing the reporting of these accounts despite the documents I have been sending to them requesting the deletion of these accounts completely from my Credit File.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (NC)

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