davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: Bread Financial Holdings, Inc. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OH)

XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  Sirs, I received a collection notice from your company about a XXXX Account I closed . Reference your number # XXXX. The account number is XXXX and was closed in XXXX. I returned a phone on XX/XX/XXXX, per XXXX 's directions, on RMA ( RETURN MATERIAL AUTHORIZATION ) XXXX. The USPS Number was XXXX and was received at XXXX 's XXXX XXXX, TX. facility on XX/XX/2020. Why they sent it all the way to Hawaii  is beyond my comprehension. I have spoken to XXXX representatives at least three times to resolve this issue. The last call the representative confirmed the package had been received and said it would be credited after being processed. I wish you now to resolve this once and for all because now XXXX representatives won't talk to me because they sent it to you. I'm pretty aggravated with the service I received from XXXX after being their customer for over 20 years and never being late on any payment! 

With respect, XXXX XXXX Email : XXXX I have now found out they lowered my credit score on all three credit companies because of this and I'm upset because I have always been responsible for any payment I owe. XX/XX/2020
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (AL)

I received a letter that Suntrust Is closing my account. One of my checking accounts closed due to a negative balance of {$180.00}. I called Suntrust recovery department & told them that I would be paying the {$180.00} on XX/XX/2020. But the letter states my account would be closed. I disputed two transactions on XX/XX/2020 I was ruled in favor of. But now my account is subject to closure. I understand why Suntrust wasn't able to refund me all the overdraft fees.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (GA)

Apparently for some reason, NCC Business Services Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX, 2017 on my XXXX, XXXX and XXXX credit reports to no avail. NCC Business Services Inc. continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, XXXX XXXX, XXXX AM Jur XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that NCC Business Services Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. NCC Business Services Inc. is blatantly disregarding the law.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NV)

The subject account is my XXXX Nevada XXXX XXXX Master Card. The communications have been with Cardmember Service, XXXX XXXX XXXXXXXX, XXXX, ND XXXX. The number on their latest letter is XXXX. 

I spent two nights at XXXX XXXX XXXX, XXXX North, XXXX XXXX XXXX, XXXX, CA XXXX. When I checked in on XX/XX/XXXX 2022, they collected a {$100.00} damage deposit. 

When I received my credit card statement, I saw that the damage deposit was charged to my card, even though I had done no damage. This company fraudulently charges that guests smoke in non-smoking rooms. If there was any scent of smoke, it came from the rattling old air conditioner. I complained to the hotel about several unsatisfactory aspects of my stay when they sent me a feedback form ; but unfortunately it was before I saw the charge on my credit card statement. 

I directed the credit card company to reverse the false {$100.00} charge, which they did on XXXX/XXXX/22. After that, I received a questionnaire about the nature of my dispute, which I returned with details after two days. 

On XX/XX/XXXX22 I received a letter ( dated XX/XX/XXXX22 ) from the credit card company which informed me that the reversal had been again charged to my account. They also said they had received no response from me to their request for information about my complaint. 

XXXX2022 I returned that letter to them and wrote that they were mistaken and that I had responded to their request for information only two days after I received it and that they can't be completely passive to my complaint about this unjust charge. That is the last communication between me an the credit card company. 

A XXXX search will reveal that there are many complaints about XXXX XXXX XXXX including the property in question, fraudulently keeping damage deposits. If I wanted to spend an extra {$100.00} on a room, I'd have checked into a higher class lodging.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

I applied for a Citi Bank Simplicity card and received it in the mail about 4 weeks ago. They had an advertised special of being able to make balance transfers with 21 months 0 % interest and a 3 % balance transfer fee good for 3 months that is good on my card until XX/XX/2023. When I received the card, I set my account up online. I had to go to Citibank.com to set it up and I did it successfully. I decided to do a balance transfer today. I could not log on. It said my password was incorrect but it wouldn't let me change my password, even with trying to put in the 16 digit account number. There were two phone numbers listed to call for help. Neither number was an operating number. The numbers are XXXX and XXXX. I called the number on the back of the card. I was on the phone with them for over an hour. They could not verify my account, not even my phone number. They tried to text me a verification code to m phone, but it would not come through on my phone. Even with the 16 digit card number and the security CVV code on the back, they couldn't verify my account. They kept saying I had set up a security code when I registered on-line and wanted that code, but I was not asked to set up a security code in the first place. Also, when I tried to sign in on-line, it says they are in XXXX. I talked to two women I could not understand. At the end of the almost one hour conversation, she wanted to send me a verification letter in the mail. I told her no, that I'm not waiting on a letter and that I think they are a scam company. I told her I want to close the account but she totally ignored me and kept saying they would send me a verification letter. I finally hung up. Now I'm really afraid this is a scam and I'm afraid charges are going to be put on this card that are not mine. The last woman I talked to was supposed to be in he technical support dept. That number is XXXX.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-03-15
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: Cascade CISS Holdings, LLC (MA)

Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (AZ)

I received a {$100.00} rebate card for a purchase made in XX/XX/XXXX from XXXX. Card is issued by XXXX. The card has an expiration of XX/XX/XXXX. I called the bank on XXXX to get a new card issued, however they proceeded to tell me that the balance is forfeited because the card was not used. I don't think it is legal for them to do that - I read on the CFPB that gift cards are good for 5 years. 

I opened a claim to have the balance reinstated and a new card mailed out. The representative told me someone would get back to me within a day or two and that was 9 days ago.
Consumer complaint received 2023-03-15
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: HUNTINGTON NATIONAL BANK, THE (MA)

Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!
Consumer complaint received 2023-03-15
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: Spring Oaks Capital, LLC (IL)

I need to verify all of the details of this account you are reporting because not only I did not give anyone my personal information I am utterly speechless and confused at the same time on how you got my information and the audacity to report this unknown account in my credit report.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

A collection agency " XXXX XXXX XXXX '' started threatening me about a Capital 1 CC bill. I've never had a Capital 1 card, the card address was in North Carolina, I've NEVER lived outside of XXXX. The dept was not on my credit report, but the false North Carolina address was, which has been removed. 

Balance : XXXX The first I was contacted about this debt was by phone, late summer of 2020. On each of multiple calls, it was explained, never lived in NC, never had Captial 1 card. First contact in writing was XX/XX/2020. They mentioned another person on the account with a name other than my husbands, with a SS # different than my husbands. This info was also reported to them as not correct. 

Credit reports checked and found no mention of this debt. Reported the possible ID theft. 

About the same time, a fraudulent unemployment claim was made against me. I and my employeer reported it to the state of XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I leased a vehicle from XXXX XXXX under account XXXX which was paid on time each month. The vehicle was turned in to XXXX XXXX at the end of the lease in accordance with their terms and conditions in XXXX. At the time of the turn in XXXX did not perform an inspection of the vehicle. Two months later XXXX sent me a bill for {$2900.00} claiming the veh had damages when I turned it in which isn't true. I asked for and was provided documentation outlining the damages. Upon review of the inspection report it was clear, due to the mileage, that the car was driven between the time I dropped it off and when the inspection report was done. I disputed the damages with XXXX, it is my contention that the damages occured while the car was in the care of XXXX XXXX. They are not able to prove the damages existed when I returned the vehicle. I also disputed damages to the taillight which were not actual damages but a manufacturing defect/seam in the plastic. I provided examples of other XXXX  with the same defect as well as documentation that the tailights of XXXX  have ongoing issues with this defect and it is widely known by XXXX that XXXX  of a certain time period suffer from this defect. Over three years later in late XXXX XXXX reported the balance on the damages to all 3 major credit bureaus. I pled my case on several occassions, but the credit bureaus continue to side with XXXX and will not take into account my side of the story, my photographs, or XXXX lack of evidence that the vehicle damages were present at the time I dropped off the vehicle.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of proof included XXXX XXXX XXXX XXXX XXXXXXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

XXXX
Consumer complaint received 2022-04-26
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. (KY)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2017-10-31
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: EQUIFAX, INC. (MA)

I have been trying to have these inquires removed from XXXX and equifax. I have had no luck. My ex husband who just recently is now XXXX tried to open things in my name. 
2 inquiries from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX. XXXX XXXX XXXX 2 inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nh XXXX XXXX XXXX XXXX 4 inquiries from XXXXr with no dispute information 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under XXXX XXXX. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from XXXX XXXX, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with XXXX XXXX , XXXX and on XX/XX/XXXX, the company became known as XXXX XXXX. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to XXXX XXXX, resulting in a new account number. That doesn't make it a new loan or change the fact it was discharged, however. 

On XX/XX/XXXX, I submitted an online dispute with TransUnion, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of XXXX XXXX on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if TransUnion was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted TransUnion by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (FL)

Correspondence was sent to  NCC  on  XX/XX/2016    inquiring about a {$10000.00} debt reported to   XXXX  ,  XXXX   &   XXXX . I requested information regarding the company to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NCC has never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for NCC to continue reporting this debt.