davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, Bank of America notified me via text of 4 charges to my credit card ending in XXXX and asked if I had made them. I responded immediately to let them know I had NOT made these charges to protect myself from being a victim of this fraudulent activity of which I had no knowledge. As a result, Bank of America closed this account and reopened it with a different number ( ending in XXXX ). I thought the problem had been nipped in the bud and resolved by Bank of America 's fraud department. 

Unfortunately, on XX/XX/XXXX, Bank of America notified me on their website and via letter, dated XX/XX/XXXX, my dispute of this fraud claim had been denied based on my " account history '' and " information from the merchant. '' Although I have NO knowledge of these charges, including who the merchant is and what was ordered, I do know there have been NO SIMILAR CHARGES, totaling more than {$700.00}, to my account with Bank of America or ANY other credit card issuer. Likewise, I did NOT receive ANY merchandise at my home which could have been linked to these significant charges. 

The only information provided by Bank of America about the charges indicates they were placed on XXXX. I have ordered hundreds of items on XXXX in the over 20 years I've had an account with them. For obvious reasons, EVERY one of those orders has been placed through my XXXX account and I am unaware of any other way to order something from them. A review of my XXXX account history shows my last purchase was made XX/XX/XXXX, more than 2 weeks before the fraudulent charges Bank of America is trying to attribute to me. 

I have attached copies of the original texts from Bank of America notifying me of the fraudulent charges and my response to them verifying I did not make them. I have also included copies of my online Bank of America account showing the initial pending charges XXXX on XXXX ) and their reinstatement ( replacement XXXX ), along with the letter from them denying my claim. Finally, I have included a copy of my XXXX  account showing ALL of my purchases for XXXX ( with some personal information redacted ).
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One, the duplicitous and nefarious company had the audacity to close my account on XX/XX/XXXX via an email. These parasites restricted my account where I couldn't access my money. It professed violation of terms ... .ARE YOU KIDDING ME. I was never overdrawn, didn't write bad checks ... I called them to stop payment on a XXXX XXXX, they professed, I didn't give them 3 day notice. Well, they paid them. Then they closed my account!!! 
My claims I filed should have absolutely no significance. These, to reiterate parasites, left me without my HARD EARNED MONEY. Since, Friday I have no money foe gas to get to work, I have had NO food, they left my son strained in another state without money. This is pathetic YOU allow banks to do this!!! Then, they put the provisional credit on my account. Where I already told them I was refunded. This bank is so incompetent. The emotional distress they endured on him has been crippling. I am appalled they have treated me like a criminal. They are the ones that are criminals. I want my account to be off restricted status AND REOPENED and an apology for the criminal ineptness.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair Credit Reporting act XXXX XXXX Bank 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 2021-08-19
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing XXXX and XXXX harm to US becuase my wife had to give up her job to become a permanent, full time XXXX  for me because I developed a XXXX XXXX due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX  XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a XXXX XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to XXXX, XXXX and demanded the corrections.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was trying to sell a loveseat online someone contacted me regarding buying it and they said that they used zelle. I XXXX gave them my email account and we went back and forth a few times. They sent me an email saying the money that they were trying to send wasnt working and sent a screenshot. They said to check my email. I got an email from XXXX stating that the buyer needed to send me {$300.00} and {$200.00} on top of that to make sure it goes through. The buyer sent me a screenshot of the supposed {$300.00} and {$200.00}. They then sent me an email stating that I would send the {$200.00} back to the buyer. This kept on happening and I sent them two payments of {$200.00}. They had me send it to the following emails : XXXX and XXXX XXXX
Consumer complaint received 2024-10-25
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. (TX)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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. (CA)

Ive noticed several unfamiliar items on my credit report that I believe may indicate identity theft, as I did not authorize these accounts. I've raised this issue before, and Im now requesting that these accounts be removed from my report as soon as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial management. If we cant resolve this matter promptly, I may have to consider legal action to protect my rights and seek a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue quickly. Thank you.
Consumer complaint received 2022-08-21
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. (TX)

PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX the following inquiries were not authorized please delete ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing, LLC has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, XXXX, and XXXX. This is causing physical and emotional harm to US becuase my wife had to give up her job to become a permanent, full time caregiver for me because I developed a chronic illness due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. SLS. LLC MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless SLS, LLC makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continuesXXXX SLS, LLC falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a Sunday XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. SLS. LLC continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT SLS, LLC IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to SLS, LLC and demanded the corrections.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I went to my XXXX for XXXX XXXX  and my XXXX  uses his own testing company to perform a XXXX XXXX. The private testing company used another third party ( XXXX XXXX ) to perform tests on my XXXX  and XXXX XXXX  is charging me for the test. I never gave permission to XXXX XXXX to perform any test on me. This is a violation of my HIPPA rights. My XXXX  results are my personal XXXX  records. My personal XXXX records are my private personal information.
Consumer complaint received 2023-02-21
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. (UT)

XX/XX/2023 I received an email to confirm 3 vehicles that do not belong to me but belong to my grandparents XXXX and XXXX XXXX. 

XX/XX/2023 I was asked security questions that are randomly pulled by my credit history through Experian. These questions were about loan and loan payments in regards to my grandparents vehicles. 

I do not own a vehicle, neither do I have an auto insurance policy nor do I have an auto loan. I never did this. I never signed! I had to be fingerprinted to do Auto Insurance. I will go in and provide my fingerprints. I didnt do this! 

XX/XX/2023 I got in the mail information to pull up my credit history through XXXX. It shows vehicles, auto loan and auto insurance in my name. I didnt do this. It needs to be removed. This is identity fraud.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

Hello. Back between XXXX I had a mastercard, ending in XXXX with HSBC. This was paid off over 8 years ago. We have filed disputes with all the bureaus back in XXXX because HSBC kept sending it to collections agencies and we had to have it removed from our credit long after it was paid off. The last time we sent our information in was back in XXXX and again in XXXX. The files were removed from our credit and listed as paid off. I received a call on XX/XX/XXXX from XXXX XXXX XXXX XXXX company ph XXXX, saying they were about to garnish my wages, put a summons on my door step, contact my employer, will take strick action, file suit in court and file the collections unless I pay $ XXXX balance to them immediately. I explained it was paid for, explained the years that it was paid off, that it was removed from my credit back over 8 years ago and they said they would be putting it on my credit report unless I paid them that day. We've gotten NO notice this was even trying to be collected. Looked them up and they have a current " XXXX  '' rating with XXXX  and have MANY other consumers have been affected exactly the same way over the last 3 weeks, specifically with HSBC trying to collect on paid for debt, and old debt, the complaints are public on XXXX. XXXX XXXX XXXX XXXX filed an illegal collections account on my XXXX  credit report on XX/XX/XXXX and listed a falsified charge off date of XXXX. Tennessee statute of limitations states it must be collected within 6 years of the last payment. This account was paid off over 8 years ago, removed from my credit once for being paid off and now is back on my credit report through XXXX  on a collection, way beyond the SOL and falsely listed because it's paid off AND has a false date. Please help me correct this. Please look back at my XXXX, XXXX  and XXXX  reports and you will see that it was removed over 8 years ago and this is a false collection under the SOL. I am trying to find my original paid off letter, but we lived in XXXX XXXX from XXXX and were victims of the XXXX XXXX Floods, so I'm having difficulty finding it. Please punish them for all this horrible illegal activity they are committing, both HSBC and XXXX.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (GA)

I received notification that my account had a collection added, I have never entered into a contract with Covergent outsourcing. They have not mailed anything to my house, and they've never been given any ofpersonalinformation.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

" XXXX  aka XXXX '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" XXXX aka XXXX '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" XXXX aka XXXX '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XX/XX/XXXX and XX/XX/XXXX. 

" XXXX aka XXXX '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with XXXX aka XXXX. 



ALLEGATIONS/COMPLAINT : - '' XXXX aka XXXX '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' XXXX  aka XXXX '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " XXXX aka XXXX '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Senex Services Corp. (MO)

In XX/XX/XXXX I received a bill from a different debt collector on an old account already on my credit report from XX/XX/XXXX. I looked up the account numbers provided and it was a different medical service, date and XXXX balance. I checked my insurance exclamation of benefits and they paid the claim on that account number and date of service.. They also had my old last name on the letter which changed XXXX years ago, XXXX  years before the date of claimed charges. The letter said I could dispute it if I thought it was inaccurate, in writing, with a signature. There wasn't anything I could tear off and mail back so I wrote it directly on the front of the letter and mailed back the next day. I stated that the information was inaccurate and I need more information sent to me. That the account numbers, services, and dates didn't add up.The total they said I owed was {$110.00} but the XXXX accounts they claimed I owed didn't add up to that amount. I didn't make a copy of the letter sent from the collector. I wrote on it and mailed it back fully expecting to get something back soon. I never recieved anything. Instead within 2 weeks it was reported on my XXXX score for the second time. I have no proof of what is claimed I owe. 
The original collector was account resolutions. I didn't know that I could request proof of claimed responsibility so I never did from them. I only learned of the laws on this when they said in the letter that I could request it, then never recieved it and it was immediately reported to my credit report. 
This collector not providing me information is Senex Services. 
Since I don't have the letter with the information claimed, I don't remember the account numbers they provided. I had XXXX in XXXX and went to the doctor many times and had many account numbers on my account at that hospital facility so it would be impossible for me to recall.