davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$220.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (CO)

I called SunTrust Bank to report that an alert from my XXXX credit monitoring said someone had opened an account in my name. I did not open the account and the representative " XXXX '' confirmed the account was still pending and that she opened an identity fraud case for me and will close the account.
Consumer complaint received 2024-03-22
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. (FL)

Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, the account is still being reported on my credit report. I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account. They have assured me that the account will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

My credit and debit card were both lost and I had to file a police report to make sure this issue is property investigated. Chime bank approved someone to buy over XXXX $ worth of goods from different sites and merchants and the information used for the billing and shipping address was not correct at all from XXXX and other merchants. So we already have proof of fraud. Chime bank makes their customers wait almost a whole 30 days to get their money back and seems like they do not even investigate the claims at all. Thats why I filed a police report to make sure its properly investigated.
Consumer complaint received 2021-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I was purchasing a video game console through XXXX 's XXXX XXXX XX/XX/XXXXprogram through XXXX, which requires you to obtain a line of credit through Citizens. Citizens handles the lines of credit for this program for all retailers offering it. When starting the Citizens application it is stated that the product is held while the application is being completed and processed. I finished my application and was immediately approved. This was all on XX/XX/2021. Today on XX/XX/2021 I get a message from Citizens saying that my order was cancelled because there was no inventory available. There is now a hard inquiry on my credit report, as well as an open credit account under my name that can only be used for this program with the retailer I had gone through. All official sources for this program designate Citizens as the support channel for this program. It was fraudulent for them to let me go through this process of applying for a credit account for a product that was reserved for me, but not actually available, and to now have this stain on my credit report.
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX {$250.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently obtained a copy of my consumer credit report and was concerned to discover two instances of late payments on an account for which I have never been late. As you know, the accuracy of consumer credit reports is crucial for individuals ' financial well-being, and any inaccuracies can have significant consequences. 

The account in question is under the name : XXXX  XXXX with the account number : XXXX. I want to emphasize that I have a spotless record of timely payments for this account, and the reported late payments are entirely inaccurate. 

Therefore, I am formally requesting a thorough investigation into these discrepancies. I expect your agency to provide proof, in the form of statements or documentation, showing that these payments were indeed late. If such evidence can not be provided, I demand that these late payments be promptly corrected to reflect the accurate status of on-time payments. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

Thank you for your cooperation and understanding.
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX {$49.00}
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (GA)

This company claims to do and investigation into unauthorized charges to my account but does nothing. I had some company use my debit card for fraudulent charges and was given a provisional credit. Today it was reversed. Why? This company did not have my authorization to charge my debit card because I have no idea what they were charging for. The bank also did not return the overdraft fees that these fraudulent charges caused my account to be overdrawn. I really dont think they do any kind of investigation. This bank is ridiculous. They do nothing to stop fraudulent activity. I have no knowledge of what this supposed company who charges my account fraudulently.
Consumer complaint received 2021-07-02
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NM)

My deceased mother, XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX had a reverse mortgage with XXXX XXXX. XXXX XXXX went out of the reverse mortgage which sold her reverse mortgage to Champion Mortgage ( Nationstar Mortgage LLC, DBA ). Her house was under contract to be sold on XX/XX/2021 and the closing was on XX/XX/2021. I executor/trustee of the estate. During that time the real estate agency has sent faxes and made telephone calls to Champion to find out the payoff amount. Champion has claimed not to have received the faxes, at one time they sent me a notice of a lien against the property and when I called told me the information was confidential, and now they told the financial arm of the real estate company that the payoff could not be determined until XX/XX/2021. They also stated the information probably would not be available until XX/XX/2021. 
I have called them on my mothers behalf in the past and they have been able to immediately tell me the payoff amount over the telephone, I strongly feel, due to my interactions with various representatives of this company that they are disorganized, deceitful and that right now they are trying to squeeze the last drop of the fees and servicing costs from the payoff amount. The escrow is frozen until Champion will tell us the payoff amount and they are causing harm to all of us involved, By the way, in small print at the bottom of the papers they send, they say they are a collection agency. 
I would like this company to be reprimanded for predatory, threatening, and uncooperative practices. We did everything we were supposed to, we notified them of my mothers death, I returned their telephone calls and the real estate agency took over the efforts to pay off the reverse mortgage as soon as possible. Champion Mortgage has treated us badly, deceptively and usurously. The real estate company has dealt with many reverse mortgage lenders and I have emails stating that none have been as uncooperative as this Champion. 
I hope you will look into this, XXXX, XXXX XXXX
Consumer complaint received 2021-07-03
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. (IL)

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-07-02
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)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

On XX/XX/2021, I XXXX XXXX a Consumer sent a debt validation request to Merchantile Adjustments Bureau, LLC, According to USC 1692g, They in returned responded, by mail on XXXX XXXX with a a copy of a Bill from XXXX XXXX with a total {$360.00} of which was credited due to being a consumer transaction with the original creditor everyone was credited. therefore, there is no need for Mercantile Adjustments Bureau, LLc to attempt to collect a debt, that is not owed to them.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Consumer complaint received 2024-03-22
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)

I am writing to contest the information contained in my credit report. Enclosed are the necessary documents highlighting the disputed items. The following entries are either inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To substantiate my claim, I have provided copies of my driver 's license, utility bill, and Social Security Number. I urge you to investigate these matters promptly as they are causing financial strain and distress.
Consumer complaint received 2021-07-01
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: Consumer Portfolio Services, Inc. (NY)

these accounts don't belong to me. please remove accounts 1. Identity Theft XXXX XXXX Date of Inquiry : XXXXXXXX XXXX  This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX  This is not mine. 

3. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NH)

We experienced 3 unauthorized withdrawels from our TD Bank checking account. On XX/XX/21 {$10000.00} and an additional {$1000.00} was transferred to XXXX XXXX XXXX On XX/XX/21 {$10000.00} was transferred to XXXX XXXX XXXX XXXX XXXX. The total unauthorized withdrawel was {$21000.00}. 
We do not utilized either of these online services.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$250.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

My company XXXX XXXX XXXX had a judgement against it XX/XX/2018. I have paid the plaintiff and he signed a release of judgment that was filed with the court. I reached out to XXXX XXXX XXXX and the credit bureaus to update their reporting according to the judgment being fulfilled and sent them copies that were stamped by the judge. They have failed to update their information against XXXX XXXX XXXX.