davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was issued a Cashier 's Check drawn from XXXXXXXX XXXX XXXX XXXX. The cashier 's check was for the total amount they are attempting to collect, however, the amount of cash which was actually withdrawn from the account at the time the check was cashed was much less. The Cashier 's check was for : FAIR COLLECTIONS & OUTSOURCING Potentially Negative Date Opened XX/XX/XXXX Balance {$3900.00} XXXX account. {$3900.00} past due as of XX/XX/XXXX. 

There was about {$200.00} in the bank when the check was deposited. The check was not as it appeared, it appeared legitimate and the banker at the drive through verified funds. There was then a later activity on the account where a representative from XXXX Bank accessed the account, and entered the total amount of the check as being withdrawn, a negative amount rather than the difference between the balance at the time of the deposit, the amount withdrawn from the account at the time of the deposit ( less cash written in the lower section of the right side of a deposit slip ) and the total amount remaining. 

The actual amount owed to the bank is about {$800.00}. 
When going into the bank, the man at the customer service desk placed me on the phone with what was supposed to be their fraud unit. The man on the phone was offensive, rude, and did not assist at all regarding the transaction. 

The bank sent copies of the deposit slip, the cashier 's check, and of the balances resulting in the transactions. 

Everything they sent was deleted from my home computer and from my email. 

When I tried to take cash to deposit money for the negative amount entered resulting from the Cashier 's Check being no good, the card was blocked and no money was accepted at the ATM machine.

The total amount of the check was not withdrawn from the bank at all, and they also attempted to collect locally in illegal forms of collection using trafficking of children. 

The bank is abusing their collection options and the amount is incorrect. 

It was reported to the city police where the account was opened in XXXX, NY on the corner of XXXX and XXXX XXXX XXXX. The police report number has also been since taken from any records in an attempt to say there is no report to refer to only the excess amount of the collection.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 there were two transactions done at a XXXX  in XXXX, CA. One for {$210.00}, and another for {$160.00}. I was home just getting back from work and I logged into my app, and saw the fraudulent transactions. I live in XXXX CA, which is nowhere near XXXX  in XXXX CA and I do not go around that area at all. I immediately froze my debit card through the Bank of America app and called right after. The associate told me that it appeared whoever took the money used a card without a chip. They issued a credit for the full amount of the transactions. 

My statement for XXXX shows the first charge at the XXXX, CA XXXX  of {$210.00}. Then after that a transaction for XXXX XXXX XXXX in XXXX, CA of {$55.00}. The next charge is of {$160.00} at the XXXX  once again. Transactions are in chronological order, correct? How can I be in XXXX and XXXX at the same time? I only have one debit card. 

On XX/XX/2021 I received a letter in the mail from Bank of America. It's stating that they are going to remove the credits on XX/XX/2021 because my claim wasn't approved. I called the bank to ask why. The associate told me they made that decision because the individual who used my information was able to successfully enter my PIN on the first attempt. In the letter it says that " The charge was authorized by you or by someone who has permission to use the card or account ''. That conclusion is very absurd and offensive, because at this point they are making it seem as if I'm trying to steal and lie.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

Moved out of Ohio in 2015. We paid all our utilities before we moved. 4 years later I see a debt on my credit report for XXXX XXXX XXXX. I never received any Bill 's or notices in the last 4 years about this bill. We paid everything before we moved. 
I do not owe this debt, and have disputed it already. But they refuse to remove it.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Oh I looked at my credit report and there are two hard inquiries from XXXX XXXXXXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX XXXXXXXX I have called XXXX several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (WI)

I received an alert on my credit report statement saying I am 30 days delinquent on my account in the amount of {$590.00} from Bridgecrest car loan company so I called them about it. When I called I asked why this was being reported I was told that I had a amount pass due of {$65.00} that is why it was reported. Even though my payment are not due until the XXXX of each month and was reported on the XXXX of XXXX but did not receive alert until today about the late payment being reported. I have never be 30 days late if my payments at all and in the app it does not say I own or anything is going to be reported if I dont pay no warning was giving in anyway. I also ask why would they report it to be {$590.00} and have my credit drop over 60 points for {$65.00} and I also ask to speak with a supervisor and was told they dont have one but can put this in as escalated and transfer me to someone else and when they did XXXX said that the call was being recorded and I said they I am recording on my behalf as well and she refused and said I dont agree to being recorded and would not help me if I was recording and I can just hang up the phone so I said that I will be sue if you all do to a lie on my credit report. The {$65.00} could have been paid with the other payment that was paid on the XXXX of XXXX if it was such a big deal be I did not receive a call or notice or anything saying that I still own for the month of XXXX I that I was paid up until my next payment on the XXXX of XXXX. I would like for this to be removed off of my report immediately.
Consumer complaint received 2023-03-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$21000.00}.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I am trying to obtain my first home and my mortgage lender, XXXX XXXX XXXX from XXXX XXXX Bank tried to pull my report on XX/XX/21 and could not obtain it. The message from Equifax stated the following : Information from your inquiry has been identified as potentially fraudulent or misused. Therefore the credit report is not available for delivery. 

Inquiry information identified as fraudulent by consumer-report not available. I never called and reported any inquiry information was fraudulent to Equifax. I have written these people with letters, I have called and spoken with represenatives and they have lied to me and informed that the infomation would be removed. Then when my lender went to pull my credit again, the same thing was still on my credit report. This information is false. I don't appreciate this erronous information being put on my credit without even notifying me of this action. 
The action I would like for you to take is to have them remove this information off my credit report immediately and to not place anything on my report like that again without notifying me in advance.
Consumer complaint received 2023-03-20
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/XXXX & XXXX XXXX, my credit card with Golden 1 CU was charged for various transactions while the card was in my possession. I was receiving text messages to confirm purchases and it immediately raised red flags knowing I did not make the purchases. I called the bank and had them close the card and dispute the charges. Upon them researching they came to the conclusion that the charges are indeed mine because the chip was used however I did not make these purchases. They added the charges back to my card, charged me interest, charged me late fees, and never informed me of this decision that they made. They never communicated with me until I reached out, my account was completely blocked and I didnt know until I attempted to log in online to make my payment. I submitted a request for this to be escalated to a higher up as these charges are not mine and I am not going to pay for fraudulent charges, interest on these charges and late fees. 
XX/XX/XXXX {$170.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$60.00}
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (FL)

On XX/XX/2023, I opened two ( 2 ) savings account with Axos Bank. I made two ( 2 ) transfers of {$8500.00} each from my mother 's external account at XXXX XXXX into the savings account at Axos Bank. 

On XX/XX/XXXX, I received a notification that my savings account are Axos Bank were being locked because they do not authorize external transfers from third-party accounts. I reached out to them via email, and Axos Bank advised me that the originating external third-party bank account needed to recall the two ( 2 ) {$8500.00} transfers. 

My mother reached out to XXXX XXXX, and XXXX XXXX immediately initiated the transfer recalls. 

On or about XX/XX/XXXX, Axos Bank only returned one ( 1 ) transfer of {$8500.00}, and then told me they had not received the second transfer recall. 

XXXX XXXX advised that they indeed sent two transfer recalls, and provided me with a trace number. 

On XX/XX/XXXX, Axos Bank again said they had not received the second transfer recall. I provided them with the XXXX XXXX trace number, and Axos Bank stated they will " review it. '' It has been over two ( 2 ) weeks now and Axos Bank has stopped communicating with me, my savings account holding {$12000.00} remains locked and I have no ability to access my funds. 

Axos Bank has been ignoring my requests to return the second transfer recall.
Consumer complaint received 2023-03-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation (CA)

The FAIR DEBT COLLECTION PRACTICES ACTS states collection of any interest or fees is a violation of section 15 U.S. Code 1692 Unfair practices unless authorized by the agreement creating the debt, or permitted by law.

Merchants Credit, a collection agency, is adding interest to this medical debt. A violation of the above US Code.

I have written two letters asking for proof of interest agreement between myself and the medical office, XXXX XXXX, and there hasn't been any reply. I have received no response. I have tried calling.

I do not owe this amount and ask for it to be corrected and interest removed. I tried contacting the office by phone to no avail.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NY)

I have discovered that a collection account from Credit Collection Service has appeared on my report as of XX/XX/2023. I wish to state unequivocally that I have never entered into any contract or business agreement with Credit Collection Service, nor have I had any dealings with its original creditor, XXXX XXXX. 

To my knowledge, this debt is entirely unfounded, and I have not received any documentation or communication from Credit Collection Service that would substantiate this claim. There has been a complete failure on their part to provide any evidence or documentation confirming that this debt belongs to me or is valid. 

Given the absence of any such proof and my certainty that I have no association with this debt, I believe this entry is a significant error, unjustly affecting my credit score and financial standing. 

Under the Fair Credit Reporting Act, I am requesting your immediate intervention and a thorough investigation into this matter. It is critical for my credit report to accurately reflect my financial history, free from any fraudulent or mistaken entries. 

Enclosed, please find copies of my credit report with the disputed entry highlighted. Additionally, I have notified the credit reporting agencies about this discrepancy and requested their action as well.
Consumer complaint received 2023-03-22
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. (OH)

I have an account that is not accurate from XXXX XXXX XXXX # XXXX Date of Last Payment Debtor Payment XXXX XXXX is missing and this is not a company that I ever remember doing business with in any fashion. 
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. I have inquiries that I do not recognize from the following companies, 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 XXXX
Consumer complaint received 2022-10-08
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. (IL)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.