davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (NY)

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX  /XXXX  XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, XXXX  /XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-12-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (CA)

The AAFES MilitaryStar card its supposed to assist service members, but they are predatory lending one example and my main concern is I have had a return check fee assessed to my account but also with that return check fee they restricted me to only making payments by mail or going into a store and the closest store for me to make a payment is over 2 1/2 hours away and a check will not get there within the timeframe. Im supposed to make my payment and they told me that I have to make six consecutive online payments in order to get my ACH payment ability back, but in their terms and conditions it states nothing about having to make six payments or even getting your ACH payment revoked. Ive called several people and theyre not able to find it and they just get off the phone with me right away and tell me to look it up in the terms and conditions, and they cant provide any information.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I am an XXXX XXXX. I needed to pay an expert for one of my cases who lives in XXXX. I sent the money via MoneyGram at a CVS drug store near our office. The individual could not collect the money because he ID name did not match exactly the name I used when I sent it to him. I have been trying to get this fixed. First, CVS said I have to go to MoneyGram. They have no contact information on their website or on the receipts for assisting a consumer. I submitted a request for help on their website. It took at least four business days ( and a weekend in there ) for a reply. The phone number they sent requires you to give information about your age or to accept some kind of " promotion. '' I could not get through to a person without doing this. I kept getting disconnected. Then I pressed a number associated with one of the " promotions '' and got a person. Told him the problem that I need the name fixed so my expert could collect his money and he said he would help me but FIRST I was going to get some XXXX card promotion. I said " no, I don't want anything '' and then I was disconnected on the call. I sent this money on XX/XX/2021. It is {$1500.00} USD.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Opened an Amazon Prime Store Card in or around XXXX or XXXX and selected to receive " Paper Copies '' of my bills to be sent to me via the US mail. I received a few months worth of paper copies of my bill until it then stopped all of a sudden. I confirmed with my wife that she didn't change the physical paper delivery to our home address that we lived in for many years and also contact Synchrony 's customer service to confirm that my account was still setup to receive paper copies of my bills and guess what I found month after month after month after month after month, somehow it was switched to send " ELECTRONIC '' copies of my bills.As the account holder of this card, I never " SELECTED '' or " CHANGED '' this option within my account or verbally or electronically gave anyone permission to make this change on my behalf. So, here we are on XX/XX/XXXX, XXXX contacting Synchrony Bank YET AGAIN to see why I haven't received a paper bill yet again ... of course the very nice customer support rep stated that my account has " PAPERLESS '' billing select once again. Before signing up for this card I read the reviews about it and many many people commented on this issue happening to them. I just passed it off as someone just forgetting to pay their bills until it happened to me repeatedly over and over and over and over again..until today XX/XX/XXXX which I decided to do something about it for once and for all for not just myself but for everyone else who has used this card previous or for anyone who is looking to apply for this card. This bank account practices needs to be investigated and prosecuted for fraudulent accessing people accounts and changing their " BILLING '' delivery options so people 's account become delinquent so they can collect late fee 's and chargers.
Consumer complaint received 2021-06-10
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Calls at least once a day, morning, afternoon and evening seven days a week. Calls are never from the same number. The few times that I answered I was told that I was being sued and asked for my current address to be served. They were rude and abusive so I stopped answering. This has been going on since XXXX or XXXX. They have contacted my father and other members of the family stating that I will be served and possibly arrested.
Consumer complaint received 2023-06-27
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. (FL)

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Accounts XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filling this complaint case to make sure that XXXX  will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the Securities Fraud Scheme of XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX XXXX fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (UT)

Fedloan zeroed out the balance owed and transferred this account because their contract was up with the XXXX XXXX XXXX. In the interim a class action law suit was in the final settlement approval stage. This account no longer exists in the eyes of the court. See attached.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Account Name : Dept of Ed XXXX  XXXX  Experian are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (AL)

I have a brokerage account with Robinhood and I hold cryptocurrency in it. I had the Robinhood XXXX  account which I pay a monthly fee of XXXX dollars for it. I downgraded my account to the regular account but Robinhood still charged me the monthly fee of XXXX dollars without my authorization so I contacted Robinhood and requested that they refund me the XXXX dollars monthly fee for the XXXX  account since I cancelled it but they refused and they said I was one day late so I asked them to either refund me my money for the rest of the month or reactivate the XXXX  account at NO charge since they already charged my account but they still refused. Robinhood charged me the monthly fee for the Robinhood XXXX  eventhough I cancelled and I wanted to have just the regular account. Robinhood has the worst customer service and the poorest quality customer service people. They enjoy ripping peoples money off. They have a shady business that needs to be investigated. They charge my account for a monthly fee for the XXXX  service that I already cancelled and when I asked them for a refund they refused to refund me the money or reactivate the XXXX  benefits since they already took the monthly fee without my authorization. The worst company to deal with and the worst customer service and a XXXX  representative XXXX case id XXXX. My account number XXXX  XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Consumer complaint received 2021-07-21
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. (GA)

THIS IS MY FOURTH OR FIFTH COMPLAINT WITH THIS COMPANY MY INFO HAS BEEN STOLEN AND EQUIFAX REFUSES TO LISTEN TO MY REQUEST. I HAVE SUBMITTED SUPPORTING DOCUMENTATION TO PROVE MY CASE. FTC REPORTS, POLICE REPORTS, IDENTIFICATION, AND THIS COMPANY WILL NOT INVESTIGATE MY SITUATION AND REMOVE THE FRAUDULENT INFORMATION. I SUBMIT THIS DISPUTE YESTERDAY AGAIN FOR THE SAME UNAUTHORIZED INQUIRIES AND MY INVESTIGATION WAS COMPLETED WITHIN AN HOUR. THIS IS INADEQUATE TIME TO INVESTIGATE 15 INQUIRIES, WHAT INVESTIGATION WAS DONE WITHIN 1 HOUR?! THIS IS THE THIS HAS BEEN AFFECTING MY CREDIT WORTHINESS AND MY MENTAL HEALTH IN THE TIME OF A PANDEMIC, I PLAN ON SEEKING LEGAL ADVICE BEYOND THIS POINT, FOR THIS COMPANIES FAILURE TO FOLLOW THE ACTS OF THE FCRA.
Consumer complaint received 2024-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I found a collection notice on my credit bureau from a company I never heard of, never received any communication via phone, mail or email. Additionally, I do not even have an account with the company they claim the collection is related to. I was able to dispute this on XXXX and they removed it, however XXXX and XXXX would not remove them despite my dispute and no proof of debt being provided. This information has impacted both my personal and business credit causing me to lose a business line of credit over a fraudulant debt collection that I do not owe or ever related to. My information has been victim to multiple data breaches and I believe that this may be related or they are using it to fraudulantly collect under false pretense. The company information is : AMSHER COLLECTION XXXX Address XXXX, AL XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$140.00} Balance updated-
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I received two text messages from Bank of America ( XXXX texted me ) that asked me to verify these two transactions. I get these text from Bank of America all the time, as I have had fraudulent activity in the past, so this is standard for them to text me to verify. 

Bank Of America : Did You Attempt A XXXX Payment For The Amount Of {$4900.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS Bank Of America XXXX Did You Attempt A XXXX Payment For The Amount Of {$4500.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS I replied NO and received a phone call right away, per usual, from Bank of America ( XXXX ) called me, which I verified to be the Bank of America customer service number , while speaking to this person. The person representing Bank of America then asked if I was trying to send money to some person. I did not know the name and explained that I did not know this person and I do not verify these transactions. They went on to explain that the money was already on its way to the other persons XXXX XXXX account and that I would have to create an account in order to get the money back. They walked me through a few steps, when I then hesitated to say this doesnt feel right and the person hangs up on me. I have screenshots showing that it looks like I am sending the money back to myself via XXXX at XXXX. When I called Bank of America customer service ( XXXX ) to make the complaint that now I indeed just had fraudulent activity and I am out {$6400.00}, the BoA rep went on to explain that this is spoofing, ha, it happens all the time. You got spoofed. I said, Im sorry, what does that mean and why are you laughing? The rep says spoofing happens ALL the time, its when someone pretends to be a trusted source by using the trusted sources actual phone number. This is what happened here and because it was through XXXX, we are not able to do anything at all or help in any way. We can try to put in the request but Im not sure we will be able to get your money back. The rep was laughing while telling me this. They were not able to get the money back and Im shocked as this is obviously FDIC. Please help!
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OK)

My account was abruptly closed without notice. I've reached out to the company multiple times with no responses as to why my account was closed. Also, they will not tell me anything about the balance of money I had in my account at the time they closed my account. 
This account was closed on XX/XX/2022. There was potentially {$150.00} in my account when it was closed.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I tried to buy a telephone off of a website called XXXX. The man called me on my phone and had me transfer him money through zelle bypassing the offer up delivery charges. I offered to pay half ( {$240.00} ) now and the rest ( {$240.00} ) after I received the phone. He said he needed the money urgently for rent and would like the rest of the money as soon as he sends me the tracking number. I obliged trying my best to be quick. When I received the package instead of a phone the was a cupcake with only the return address of the cake shop. I tried to get his address from them. With no luck. 
I have screen shots & an email & a phone # with I am now blocked from. I requested the money back in Zelle several times & was ignored of course.