davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AE)

XX/XX/XXXX I moved to XXXX as an active XXXX XXXX. I had my XXXX XXXX XXXX phone put on a military hold XX/XX/XXXX at XXXX by person email XXXX account number XXXX, case number XXXX. I made sure to get all the information because this has happened to me when I moved to XXXX in XXXX. I have not been back to the XXXX since XXXX, so I needed the service. This is typical for military members moving overseas. No service member should continually have to pay money for rules and regulations these companies have on their contracts.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OH)

I gave permission once on XX/XX/XXXX to run my credit the company ran it again on XX/XX/XXXX without my permission I want it removed from my credit report. All because I called to correct last name on my card that is not a reason to run a credit check
Consumer complaint received 2019-07-20
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: CITIBANK, N.A. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.CITIBANK USA , NA XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-08-06
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: LEXISNEXIS (GA)

In XX/XX/2018 I got an online quote for insurance and was told my premium would be far higher than I expected. When I called the company ( I forget who ) they said Lexis Nexis had reported an accident under my name. I then obtained my report from Lexis Nexis and it had several accidents listed under my report. The people involved in the accidents are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX TX. I am not these people yet XXXX ( the agency who reported these people under my DL and SS ) refuses to retract the incorrect information and Lexis Nexis accepted their claim that I am the same person as XXXX XXXX XXXX in XXXX NY even though I have a completely different name and address, never had a policy with XXXX and do not own the cars listed on the credit report with Lexis Nexis. When I called XXXX, the representative was rude and unhelpful.
Consumer complaint received 2018-08-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from BANK OF AMERICA and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from XXXX XXXX XXXX say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by BOA of who this XXXX XXXX people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.
Consumer complaint received 2018-08-06
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. (LA)

During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations. However, Equifax only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Equifax can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) XXXX - {$280.00} ( Deleted by XXXX ) XXXX - {$390.00} ( Deleted by XXXX ) ; ( Deleted by Equifax ) Equifax Credit Dispute Results ( Regarding XXXX XXXX ) : Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : This item has been deleted from the credit file.
Consumer complaint received 2019-07-20
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: Bread Financial Holdings, Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  COMENITYCAPITAL/XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC (FL)

Despite FTC in XX/XX/XXXXLawsuit and Permanent Injunction against Security Credit Services , LLC over issues to include deceptive voicemail messages. On XX/XX/XXXX I began receiving harassing threatening automated voicemail messages that failed to identify messages were from a collection agency ( please see attachment voicemail transcript/ answering machine incoming answer was later changed by SCS to depict medical facility ) from Security Credit Services , LLC a.k.a XXXX XXXX. Collection agency is slow or non responsive to my attempts to expeditiously resolve matters in a timely manner without further expense or delay in a manner where no further harassment and intimidation tactics will be used by the collection agency and despite my adamant wishes to resolve the account quickly and thoroughly remove collection listed from my credit reports that the collection agency has plastered all over my credit reports without first notifying me of the outstanding debt, my right to dispute the debt, or have the debt sent back to original creditor for resolution, and its failure to validate its authority prior to collect on debt. Or validate its legal right to collect debt or sue in Florida despite threatening to do so. Collection agency refuses to negotiate reasonably settlement on old/ charge off account. It has negatively hindered my ability to establish credit and purchase a home. Security Credit Services , LLC alleges an outstanding amount of {$1800.00} is owed to their agency from a charge off account it purchased from the original creditor in XX/XX/XXXX.
Consumer complaint received 2019-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NJ)

Respected CFPB Officer, My previous employer sent a wire transfer on XXXX XX/XX/2019 through their XXXX XXXX ( XXXX ). The details are listed below. 

Sender reference : XXXX XXXX Transaction Reference : XXXX Payment amount/currency : XXXX Payment value date : XXXX ( XXXX XX/XX/2019 ) I called my bank ( TD Bank ) XXXX XXXX, XXXX, XXXX of XX/XX/2019 to enquire about the status of the incoming wire. Since customers do not have the option to talk directly to the wire department, the TD Bank 's phone agent interfaced with their wire department and told me that the wire will be returned as TD records do not have my middle name and the wire is addressed to my full legal name. Since I gave my official records during the creation of the TD bank account, I asked the agent whether I could run to a TD local branch with my passport and correct the name instead of they rejecting the wire transfer. The TD executive apologized and said the wire needed to be returned and the sender had to reissue the funds again. 

I have been following up with my former employer and their bank ( XXXX ) ever since to reissue the funds but they say that they don't have the returned fund from TD. It seems that XXXX and their intermediary Bank ( XXXX ) reached out to TD via several messages to return the funds but they claim that there was no response from the TD wire department. 

In XX/XX/2019, I went to my TD local branch and when the branch called the TD wire department, they seem to have no record of the incoming wire and rejection. 

The Sending Bank ( XXXX ) launched another investigation and finally concluded that the money is still with TD and they continue to not respond. 

My problem here is that no Banks ( Sender : XXXX, Receiver : TD, Intermediary : XXXX ) are taking ownership of the missing amount. I have severals emails ( 40+ ) showing the correspondence/follow up and I am attaching few key ones here with this complaint. 

Could you please help?
Consumer complaint received 2019-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Hello a few years back my bank account was fraudulently used by scammers to put money inside like bad checks and they somehow took the money off I tried to explain it but it didnt help now Im having issues with getting my mortgage loans I cant refinance my car or get into a credit union to better myself I just want to see what I can do to help my situation and get this Taken care off ASAP so I can open a bank account at a credit union
Consumer complaint received 2019-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

RE : ALLY FINACIAL INC XXXX. XXXX  XXXX XXXX, MN XXXX RE : INACCURATE REPORTING TO CREDIT REPORT TO WHOM IT MAY CONCERN : I RECEVIED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWED ARE THE ITEMS IN ERROR : THE FOLLOWING INQUIRES NEEDS TO BE REMOVED : CREDITOR NAMES : ALLY FINANCIAL IN CREDITOR DATE OF INQUIRES : XX/XX/2018 & XX/XX/2018 2018
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (NY)

XXXX XXXX ) XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - EXPERIAN 1 ) XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - XXXX 1 ) XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Consumer complaint received 2023-04-03
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$410.00}
Consumer complaint received 2019-07-21
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: FC HoldCo LLC (FL)

RE : FLAGSHIP CREDIT ACCEPTAN XXXX. XXXX   XXXX XXXX, TX XXXX XXXX : TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORT TO WHOM IT MAY CONCERN : I OBTAIN A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING TO BE AN ERROR. 
HERE AS FOLLOWS ARE THE ITEM IN ERROR : CREDITOR NAME : FLAGSHIP CREDIT ACCEPTAN DATE : XX/XX/2018
Consumer complaint received 2023-06-27
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 — Problem with personal statement of dispute
Company: Upgrade, Inc. (CA)

I was apart of an identity fraud and the woman who used my information was arrested and I was contacted by the XXXX in XXXX XXXX and I have proof of this. I contacted and provided back up information to XXXX XXXX who was XXXX of about XXXX credit companies where she took out loans without my permission. XXXX XXXX has done a XXXX for the loan of {$29000.00} which they sent to IRS. I have asked them if they would rescind the amount reported to IRS as it is increasing my income and I have to pay taxes on it. They have refused to assist me. I am in a dilemna as I can not refinance my home as my credit scores are low and I show owing debt that I do not have. I have paid a credit company {$2000.00} to fix my problem and for past XXXX years they are not responding to my calls or email.. I am now on XXXX and if I had been able to refinance my home loan in 2021 I would be able to pay my mortgage at the lower rate.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (AZ)

This is a complaint from XXXX XXXX against Mercantile for Mercantiles failure to provide requested information for the debt alleged. Consumer,  XXXX, received a demand letter from creditor, Mercantile. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Mercantile responded providing only statements. On XX/XX/XXXX, XXXX sent another letter requesting more information, specifically information which shows ownership, as Mercantile is not the original creditor. On XX/XX/XXXX, Mercantile again responded with the same information as its XX/XX/XXXX letter. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt. Transfinancial failed to supply me with rightful information.
Consumer complaint received 2019-07-23
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. (GA)

Experian and XXXX are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XXXX2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-07-21
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. (AL)

To whom it may concern every time I look up something it all ways show something different I only live in a apartment for 4 years low income housing in not this my first house since XX/XX/18 It Show loans in All that I never got I never left XXXX Alabama to get all this stuff that's crazy please help me
Consumer complaint received 2019-07-21
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. (AZ)

On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by financial counseling program ''. The XXXX XXXX credit card was closed in XX/XX/XXXXbecause I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (MO)

Ive requested from Account Resolution Corporation now three times, in writing, for proof of debt and that they are authorized in state of Missouri. The first time they sent me back an amount written on a piece of paper, the second time they provided me a statement Ive never seen. They have never provided me with documentation I required. Meanwhile I do not recognize the place of business they are collecting on behalf of ( its also less than {$50.00}! )