davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It started on XX/XX/2023 when I received an email from Bank of America saying my card application has been received. However I never applied for any card. I called the company and talked to the fraud department and told them the situation and told them to reject the application. However two days later I received another email saying my application had been approved. I called all the three credit bureaus and put a fraud alert on my name. Despite of all this I received the package from XXXX XXXX XXXX  in the mail with the new credit card on XX/XX/2023. My plan is to stop by a branch to try to get some more information before I destroy this card but since I don't know the outcome I would like this complaint to be documented. Thank you for all your help.
Consumer complaint received 2022-12-08
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. (NM)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, 2018 Balance : $ XXXX I am no longer liable for this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-11-05
Product: Credit reporting 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. (NV)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NY)

SQUARE, INC. deactivate my online account and said " Any funds currently in your account will be frozen for a period of 120 days, and are due to be released after XX/XX/2023. 

While I answered a 20 questionnaire after the transaction explaining the surroundings of the transaction, provided proof of documentation of my business, and other request a documents, in good faith, they still refused to release the funds. 

Also, at the time of the transaction, the customer signed and agreed to pay that amount to me ( my company ) still Square inc is refusing to release the funds, without any explanation. They have refused to reach out to the customer to get verification that he authorized this charge.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: NAVY FEDERAL CREDIT UNION (NC)

This all started on XX/XX/XXXX found out when I logged into my Navy Federal someone put in {$1000.00} into my account and then took out {$1000.00} again to the XXXX apparently took out a cash advance which never do. I tried to dispute this with fraud companies, but they said it came from my cell phone which didnt make any sense. I have no idea what to do. I dont even know how to explain it because it happened so fast they tried to take a {$4000.00} loan out or a {$5000.00} loan out. They tried to take cash advance out when I told him that I did not do this, and I changed my whole account. They proceeded to tell me That there was no fraud that happened and they wont tell me how they knew that it was through my cell phone. I am completely devastated because now I cant pay for my XXXX whatever it is credit card. Also, with this Navy Federal gave me {$1000.00} I put it into my credit card to pay off my credit then Navy Federal took back that XXXX XXXX. It is extremely confusing and I dont understand what happened and who did this
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I agreed to purchase a XXXXXXXX XXXX XXXX XXXX  from XXXX XXXX of XXXX, CA for {$670.00} after speaking with him and text exchange. On XX/XX/XXXX at XXXX est. I send a XXXX Payment of {$670.00} from my Citibank account ( XXXX XXXX PAY ID : XXXX ORG ID : XXXX ) to phone # XXXX which was registered to XXXX XXXX. The agreement was that the item would be shipped that day on XX/XX/29. After the payment was sent seller ( XXXX XXXX ) stopped responding to texts and calls and subsequently block calls. Additionally, the same item ( XXXX XXXX XXXX ) with teh same pictures was reposted on multiple websites by XXXX XXXX for sale with the same phone number to contact. Once he clocked my number he used the following numbers as well : XXXX and XXXX. I never received any item and still see him posting the same item. I paid him the {$670.00} and did not receive anything.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

An account was opened back in XXXX and was charged off due to the age of the account but now a debt collector is re-aging the account to XXXX as a new account on my credit report causing stress and holding me back from my full potential. 

I have dispute the claim a few times but the credit agencies still report the collections as a new account on my credit report, causing more stress and issues with me getting a loan and a decent credit card.
Consumer complaint received 2023-12-10
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. (PA)

On XX/XX/2023 I advised the XXXX credit reporting agencies XXXX XXXX AND EQUIFAX that this is my THIRD WRITTEN REQUEST asking them to remove or correct unverified, inaccurate reporting accounts listed on my credit report which is negatively remain on my credit report in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated in writing that they verified that these items are being reported correctly. I provided proof of inaccuracy. yet still nothing got removed or updated.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a XXXX XXXX credit card being reported by XXXX, XXXX and TransUnion. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 : Any other adverse item of information, other than records of convictions 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.
Consumer complaint received 2021-05-04
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to PROFESSIONAL CR ANALYSTS XXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

I reached out to Ally bank on XXXX XX/XX/2023 to stop a check payment. I chatted as well as talked to somebody regarding this. They guided me for online process to do so. But even then the check was cleared and when I asked Ally bank - I was told that it needs at least 24 hours to kick in. If that was the case why no one told me on XXXX XX/XX/2023 itself. 
Moreover even when the stop check payment didn't worked, I was charged {$15.00} stop check payment fees. Later I need to chat with ally bank annoying customer service person XXXX to get it removed. 
Ally has always failed in terms of stopping check or ACH payment. Last year Ally failed to stop ACH payment. Very inefficient and useless bank. 
When they fail then they tell the customer to reach out to vendor in terms of stopping check or ACH payment.
Consumer complaint received 2022-02-15
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX  Proxy of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ( full account # not rendered to consumer upon requests ) Represented by Mandarich Law Group , LLP XXXX XXXX XXXX XXXX, IL XXXX Acct # xxxxxxx The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Demand for Validation and Proof of Claim ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Verification of Debt Final Request ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

No response was received yet the represented and their law firm proceeded to file law suite against the respondent/ consumer. Notice of such was not made to respondent/ consumer until 20 days after lawsuit was filed, filed upon XX/XX/XXXX by fax, notice upon XX/XX/XXXX given to non-respondent/ consumer at personal residency. 

The above represented and representative law firm did eventually reply by mail to all requests but not until late XXXX of XXXX, their response documents were vague, and reputative of incomplete and unverified documentations. They fully failed to provided the true, full, and accurate account or accounts numbers, ( provided only redacted or partial ). They fully failed to be truthful or provide the full and unaltered amount of what they paid to obtain respondent/ consumer 's debit account. 

The above representative law firm also failed to fully, truthfully, or actually provide a full unedited or actual copy of the respondent/ consumer 's " wet ink '' signature upon an valid agreement between the collector and consumer/ respondent. Thus, these are just a few examples of the full failures to comply with lawful requests and lawful requirements under the Federal and Local level consumer protections acts. 

Yet the above law representative of these collection agencies and agents still pursue lawsuit claims and unfair credit reporting tactics, reclaiming the old account as an active account on a monthly basis upon the consumer/ respondent 's credit profiles.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXXXXXX XXXX  By TransUnion Account # XXXX High Balance : {$630.00} Last XXXX Date of Last XXXX Date XXXX Date XXXX Balance Owed : {$630.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last Payment : Past Due Amount XXXX Account XXXX : XXXX Account # XXXX High Balance : {$630.00} Last XXXX : Date of Last XXXX Date XXXX Date XXXX Balance Owed : {$630.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXast Payment : Past Due Amount : Account Type : XXXX Account # XXXX XXXX XXXX XXXX {$630.00} Last Verified : Date of Last XXXX Date XXXX XXXX XXXX Balance Owed : {$630.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account disputed Creditor Type : Factoring Companies Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Consumer disputes this account information Collection account Last Payment : {$0.00} Term Lenght:XXXX Past Due Amount : {$630.00} Account Type : Collection Payment Frecuency : Credit limit : {$0.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. MOST COMMON CHARGE-OFF INACCURACIES Repeatedly reporting charge-offs every month a. Every time your account updates the statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! As you can see anything match on this account please verified accuracy.