davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (IN)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Sect. 602 A states i have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions. Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. Sending a statement does not prove this is my debt. You also had someone trespass onto my property per my cameras to deliver a package not once, but twice that my dogs chewed up. You have also sold my information to 3rd party agencies as i am getting letters from attorneys about being sued. This again violates 15 USC 1681.

Cease and desist immediately as well as remove the judgement.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX 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 https : XXXX 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 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 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 
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 XXXX business days after the date of receipt.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with Capital one for XXXX. Now XXXX XXXX XXXX has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. XXXX XXXX XXXX has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

on XX/XX/2019 CARE CREDIT customer service rep gave my care credit account number to the office manager ( XXXX ) at XXXX XXXX XXXX XXXX when i was unable to get that number a day before she called to obtain it. She is also the only one that can change the interest rate on this account. I beleive that i was not given an interest rate according to my credit score as it was at the time nearly 800. which should get a much lower interest rate then 16.90 %. I also have asked to have my accloun t number not listed on my monthly invoices and that has not been done either. I believe that sychrony bank, care cr4edit and XXXX. XXXX XXXX dds are ingaging in preditgory lending, unethical and deseptive business practics.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my BoM account to fraudulent investment firm ( s ).
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Filed a dispute on the charge against a company that didnt complete work for my home. The company submitted fraudulent documents and I have proof to show that. USAA never attempted to reach out to me during the investigation to verify documents or discuss the investigation. They immediately took the word of the company without even discussing it with their member. Now they have told me they wont do anything about it and it is up to me to deal with it directly with them and in court. USAA has scammed me out of money and is a horrible company to bank with. I would never recommend them to anyone. They have become so horrible and dont do anything to assist their customers. Someone from their member solutions team called me and said their investigations dont need to involve the member and its up to their discretion how they complete their investigation. It makes no sense that they wouldnt reach out to all parties and listen to all involved but thats the kind of company they have become. 

On XX/XX/XXXX I hired XXXX XXXX XXXX XXXX to come out and diagnose and fix my washing machine. XXXX came out and diagnosed the issue as a lid lock issue. I agreed for him to complete the work to fix it. Once he did the work the washing machine still did not work. He told me it must actually be a drain pump issue and that he doesnt have any drain pumps with him and he would have to order it. XXXX never came back out to fix the machine. I have tried to call the company back multiple times and they never responded to me. I was charged {$340.00} for this work that was not completed. I then disputed the charge with USAA. USAA did their investigation and just now in XXXX Im finding out that they have accepted the charge and believe XXXX XXXX XXXX XXXX because they submitted documents to prove it. The documents they submitted however are falsified. They have fake signatures and dates on them as I have a copy of one with different signatures and no dates. XXXX XXXX lied about everything, wont contact me and USAA wont help me. They have told me they believe the other company over me and wouldnt review any documentation I had to submit. They told me I had to go to court or work it out directly with them even though the company does not speak with me. 

The document that is all in black and white showing two signatures show the work was started and completed with the date of XX/XX/26. My receipt is the colored copy with only one signature on the started work line and no date. Neither of these are my signature at all. My signature look nothing like this to start with. And the third document is a screenshot showing I received a copy of this receipt on XXXX. Meaning the dates on their receipt are falsified because how could I receive a copy of the receipt on XXXX with one signature but their copy shows a signature and a date for XX/XX/26.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (MO)

I began a consulting business and enrolled with XXXX to invoice clients. " WePay through JP Morgan '' is integrated with XXXX to transfer payment directly to my business account. 
On XXXX, I submitted my first invoice for hours worked XXXX, this invoice was paid on XXXX in the amount of {$1600.00}. 
On XXXX I received an email from WePay saying that my account had been closed due to being " High Risk '' and they can not process my payments through their site. I followed their dispute process to appeal the decision and received an email saying Currently the account has a balance of {$1600.00} which will be held for a period of 120 days to cover any potential chargebacks. ( {$49.00} fee to XXXX for processing even though it didn't work )
Consumer complaint received 2023-08-07
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: Resurgent Capital Services L.P. (KS)

Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Since XX/XX/XXXX we have had a first and second mortgage with Wells Fargo. Both loans paid monthly, never late, and additional payments made to principal. In XX/XX/XXXX we went to Wells Fargo office in XXXX, met with XXXX XXXX to refinance loans. We spent several hours with XXXX, filling out paperwork. Returned within 3 days with additional documents requested ( hand delivered, not lost in mail ). In XX/XX/XXXX received Notice of Action Taken and Statement of Reasons informing us our application denied. 
The reasons were inconsistent with facts and figures we provided. Correspondence with W.F. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX confirmed that W.F. had not used the documents provided, but had used erroneous figures, faulty math and miscalculations to arrive at incorrect conclusions. Each representative was asked to explain their calculations, each used different figures and always incorrect figures. All documents requested by W.F. were delivered to W.F. W.F. did not consider all documents. W.F. either ignored or inconsistently replied to questions and requests for clarification of their miscalculations. W.F. did not treat us fairly. Refused to refinance loans because of our age and their concern that we would die before the loan was paid. W.F. refused to refinance in order to maintain a higher interest rate, and thus a higher payment.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2023-08-09
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. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2023-08-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Original Creditor- XXXX XXXX- Amount of Dispute- $ XXXX- Medical- Hospital bill after my XXXX XXXX  XXXX XXXXXXXX I have insurance and told them all the information and to go after them ... XXXXthey didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a bad XXXX ... .Thanks
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I opened up a ira account at Bank of america in XXXX ca. With XXXX money she received from her job at XXXX XXXX, I am on this account as beneficiary. The amount of {$120000.00} was deposited. We received a deposit slip, a ira adoption agreement, the account summary information, and a business card from the bank teller. After my wife 's died I went to different bank of America 's to let them know that my wife passed away and that I was benificerary on this account and I wanted to know the balance of the account. They took all the information from me they needed to identify me and the ira account one bofa branch told me this account was closed and would not give me no information about the account! Another branch told me they could not find this account even though I gave them the account number from the bank form I gave them they told me it was nothing they could do. I was sent to different departments no one would tell me where the money is. There had been others with similar issues as this with this bofa XXXX california. Please help for this money is needed I am handicapped, unemployed and trying to hold on to my home can some one please help.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

First point Collection Resources , Inc. is trying to send me to collection for around {$400.00} owed to XXXXXXXX XXXX XXXX. I will not allow them to damage my name when I had already stopped using and canceled the insurance but their charging me for the date XX/XX/2023 when I already have another insurance and have documents of that other insurance so their is no need for having 2 car insurance at a time.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is a result of identity theft. I tried fixing the issue multiple times as this complaint was marked as a duplicate and is not a duplicate. Please attach the duplicate file if deemed as a duplicate so I have for my records. I discovered through my new monitoring service this account being reported I made efforts to remove this account on my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.