davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (CA)

I have previously stated that to the company that I am and have been a victim of identity theft, I included several documents proving that the debt they stated I owed did not belong to me ( My FTC Identity Theft Report, My Proof of factual identity and my Notice to Furnishers and included documents stating that my phone number has been listed on the do not call registry so calling me is therefore harassment and illegal by federal law I HAVE BEEN CALLED EVERY DAY 3 TIMES A DAY OVER A DEBT I DO NOT OWE, I also sent 3 cease and desist letters to the proper address listed above. I also sent information on the Federal Fair Debt Collection Practices Act ( 15 USC 1692 ( a-k ) and specially Section 807 ( 8 ) ( 15 USC 1692e ) and information from the Fair Credit Reporting Act specially section 623 ( a ) ( 3 ) ( 15 USC 1681s-2 ) ( A ) ( 3 ). I have complied with federal law and my rights as a consumer and I believed in good faith that this company would handle this matter in compliance to my legal rights, but in fact this company has not ... in fact in response to my cease and desist letters I received a email back stating that I needed to provide my debit card information to verify my identity and remove the charges off of my account which I have record of now as well and records of other fraudulent activities that a debt collector should not do. 



I provided my debit card information and instead of having the debt removed from my credit report I was charged XXX $ for a new account I did not authorize in the first place, and XXX $ for an additional account I also did not authorize. I also received several harassing letters stating that my credit score would drop 100 points lower if I did not pay the debt and I have record of each letter which I will forward to the Attorney General and my credit score did in fact drop ( so these are valid and factual ). By federal law this is illegal and is 2 counts of fraud which I have all my records of and I can prove in a federal court based on the facts that I have .... 
the company even issued me photos stating that my refund for my accounts would now be processing but I never received anything and I am still being pressured into paying for something that isn't mines, I waited 6 long weeks and nothing ever changed and when I called the company they denied that I even had a account with them in the first place. this is not ok. They denied that I was issued a refund and they have been lying this whole time and now my personal life is suffering.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX XXXX Bank CARD for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received XXXX. 

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX XXXX Bank CARD has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have not applied to Capital One for any financial product. 

XXXX2021 Capital One did a " hard pull '' of my credit report without my permission ; they are obstreperous and refused to take steps to provide me with evidence supporting their apparent assertion that I applied for a loan ... or something... they won't even tell me what. 

XXXX I called them at three different numbers : Call XXXX. No option to report fraud. Thinks I want " credit card ''. Then insists on a credit card number ( which I don't have ), then wants my SSN and then ( snarkily ) says " XXXX. We don't have an account on file. '' Eventually it transferred me to a real person anyway. XXXX says call XXXX. 

Call XXXX. It wants a card number as well. 

Call XXXX. It also wants my XXXX but says I have an open credit application. XXXX. Credit card application dept. How was the application made? I expect you to tell me how the application was made. ( Talks in circles. ) They insist they can record the call but I can't because " company policy ''. Will not talk further if I record the call. 

If this really is/was " fraud in progress '' then time is of the essence.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

on XX/XX/XXXX my mom in NY was contacted from a California Phone number XXXX in regards to a court summons Iawsuit for me. I called the the number and was told I was being sued on an old bank account. I had 2 choices, to pay them over {$3000.00} for the amount owed to the bank and their lawyer fees. I called the bank and they said that the account was overdrawn by {$80.00} and was sent to collections, the company went out of business and the debt was settled. I was currently in good standing with the bank. The account was settled in XXXX. I called the county clerks office and there are no pending lawsuits against me. This company XXXX XXXX doesn't exist anywhere, and they have my social security number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof. 

When asked about the debt in question they stated I'd have to go to court to get any proof of the debt. When I asked why I wasn't served in person, they said because of COVID, they weren't going door to door.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I have made several payments to the target red card in the month of XX/XX/XXXX {$60.00} payments and 1 {$30.00} payment. I have been calling since because I got confused and chose the wrong bank and 1 {$60.00} payment did not go through and 1 {$30.00} payment did not go through. Due to those payments not going through they charged me 2 {$29.00} return fee. At this point I will pay those fee because it was my error on my part, but the balance was {$210.00} since XXXX before the return payments and it does not change. I have also made another {$40.00} payment in the month of XXXX but the balance does not change. I have been calling target customer service to resolve the issue and all they do is keep transferring me to different departments and place me on hold for a long time to only hang the phone up. Today I spoke to someone that said the reason why my balance is not changing is because I had to pay the full balance every month and since I didnt my balance is correct but the {$200.00} that I have paid have not been deducted from the balance and it still shows I owe {$210.00}. Target customer service have not done anything for me at all. I have spent 40 minutes to an hour on every call I have made and I have called about 7 times in the last 2 months. They also tell me when I call they see no notes being recorded so they make it seem like I have not call at all. Please help me all I want to do is pay for the balance that is actually due and get it over with. I also would like to mention that out of frustration I closed the target red card 1 month ago.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 2022-11-06
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Experian- XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 15 U.S.C.1681 Section 602 A. States I have the right 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. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Again Trans Union has stated they will not reinvestigate my claim. They sent another letter stating they verified the information with the Court Clerk. 

I've attached the letter from TransUnion and the letter from the Court Clerk stating they DO NOT supply information to third party vendors. 

SO I need this taken care of since they are lying and breaking the law. 

Ive also filed a complaint with the NYS Attorney Generals Office.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (CA)

EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS
Consumer complaint received 2022-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/XXXX, at XXXX at Capital One ATM XXXX, XXXX, TX, I tried to withdraw {$500.00} of mixed accounts {$100.00} XXXX $ XXXX $ XXXX $ XXXX Total {$500.00} The ATM stated on the screen it was dispensing cash, but nothing was coming out. I tried to cancel transaction at that point. Something flashed on the screen about an error. Then a receipt printed out that the money had been withdrawn. I went into the branch to let them know. They said I had to call the number on the back of my card. I needed the {$500.00} for a specific project that day so I went ahead and got it out of the ATM in the lobby and proceeded to call the number. I later went back to the branch and they said that an ATM audit was done. They assured everything would be okay and usually it takes less than what they say it will take. I called the number again on the back of my card and they said they were waiting for the branch. I asked more questions at the branch and they said didn't have anything to do with that ATM. It was serviced by XXXX. I called the customer service today and asked about the number of XXXX and I couldn't get it. He continued to say they are waiting for the branch and then he asked if I could get a provisional credit from the investigation team. They told him no, I have banked at Capital One formerly known as XXXX XXXX Bank since I was XXXX XXXX XXXX. Not to be able to talk to anyone face to face ( like back in the day customer service ) and not getting real time results such as immediately reviewing the video and checking the balance of cash in ATM, etc with an audit is disheartening to have to continue to wait or not " trust '' me with a provisional credit. I have had a direct deposit coming into that account from the same place for 8 years and banked there for over 30 years. I haven't received an email or letter that there was an investigation or any follow-up. On another side note, the day before I went into the branch to take out {$500.00} for the same project which I shouldn't have to explain. It is my personal account. The lady directed me to the inside ATM instead of the teller and I had driven across town to go inside in the first place. We only have one branch and three ATMs in XXXX. I really don't like to get that large amount of money out of a machine. I needed to go to XXXX XXXX XXXX  for our summer program on the day of the XXXX, the day my {$500.00} did not come out. XXXX XXXX XXXX is right beside the branch. So I knew the lady would point to the ATM as she did the day before when I walked in so I decided just to drive through and that is when that stupid machine didn't give my cash back ( XX/XX/30 XXXX ATM XXXX TX XXXX XXXX that is still in dispute as of XXXX.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

On XX/XX/2022 my wallet was stolen from my purse in a grocery store. Shortly thereafter I received a text from Citi Bank questioning whether a {$2100.00} purchase at Macy 's was mine. I replied no and called the phone number supplied. I reported that the card was stolen and answered their questions. I also contacted the XXXX, NC police dept. and reported the theft. I received a case number. In early XXXX ( don't recall the exact date ) I got a call from Citi asking me to call them. I did so and further answered their questions. In the coming weeks, I got email telling me that the dispute was being looked into. Then I heard nothing. Our credit card payment ( this is a CitiBank XXXX XXXX ) was due on XX/XX/XXXX. When I went to view the statement I saw in the dispute center that Citi was declining to credit the XXXX back to the account. I immediately called and spoke with a woman named XXXX who took notes and told me I had to call the fraud department again on XX/XX/XXXX. I did that and spoke with XXXX. I told him the whole story again ( for the XXXX time ) and he said it would have to go back to the investigators. He told me the reason they declined to credit the account was that I did not supply information they wanted. But he had the record that I had called in early XXXX. I looked this morning and I see no information except that they are declining to pay. It is time for me to escalate this.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (AR)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (LA)

I have responded to this company on several occasions disputing this inaccurate information that's placed on my credit profile. I have sent them all the proper documents to make sure that this account get DELETED, but they still have not followed the rules and regulations that's set in forth. So I'm reaching out to this company to help me do as such. I let them know that I was a victim of fraud and all my personal things were stolen and misused unlawfully. I have sent a complaint to the XXXX  and this matter wasn't handled correctly.They asked for a affidavit and I sent that to them via certified mail. This account has nothing to do with me at all.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a request to block fraudulent information from my credit report on XX/XX/2022 along with a FTC report advising my identity was stolen and used to open accounts that I did not authorized. This company failed to block this information even though the proper documentation was provided. I am being told this information has been verified without a proper investigation being completed. These companies that they say I owe does not have my signature on any documentation, and I have not been provided with any any proof of such. My consumer rights have been violated and I am unable to apply for certain credit accounts for myself due to this issue.