davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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: CITIBANK, N.A. (CA)

Two unauthorized credit card transactions, one from XX/XX/XXXX XXXXXXXX XXXX in the amount of {$640.00} and the second one from XX/XX/XXXX XXXX WEB UPGRADE in the amount of XXXX are both fraudulent charges I reported to Macy 's XXXX XXXX American Express credit card in XX/XX/XXXX after receiving an automated text message from Macy 's Card Fraud Free DSNB alert system notifying to reply 1 for Yes and 2 for No for an additional {$34.00} fraudulent charge that was about to be posted, which I replay 2 for No. 

I then contacted Macys fraud dispute number at XXXX to report that I have not use the Macys credit card in the month of XX/XX/XXXX at all. Macys customer support canceled the credit card ending in XXXX and issue me another credit card ending in XXXX which I did not received in the mail. The card ending in XXXX was reported as stolen and then Macys sent me a second credit card, ending in XXXX, which I did received, and it is the only Macys credit card I have use AFTER XX/XX/XXXX. 

Instead of XXXX 's deleting, canceling or refunding the two fraudulent credit card transactions, Macys transferred the two fraudulent charge amounts from credit card XXXX to my current credit card ending in XXXX and reposting both fraudulent transactions again with a new transaction date of XX/XX/XXXX. 

I have contacted Macy 's several times about this issue and they refuse to take out the two fraudulent transactions out of my account while currently, the account shows that I need to make a minimum monthly payments for these two unauthorized transactions.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/21 Sent a letter via certified mail to TransUnion and delivered on XX/XX/21. Tracking number XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put Transunion of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. 

I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. 

Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights are protected under the FCRA.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I WITHOUT MY KNOWLEDGE SENT ME AN EMAIL THAT SAID THAT THEY HAD TAKEN {$1.00} OUT ON MY DEBIT CARD. THE ONLY THING I KNEW WAS THAT THERE WAS A CREIT SCORE FOR FREE. I DID NOT SIGN UP FOR ANYTHING, I DID NOT EVEN MAKE A USER ID OR PASSWORD OR ANYTHING. I WAS NEVER ASKED! I WOULDN'T WANT IT ANYWAY I DON'T NEED IT. THIS WAS TODAY-XX/XX/XXXX. THE ONLY THING I GUESS WAS THE # 's OF MY DEBIT CARD. THERE WAS NO TALK OF A FEE OR ANYTHING ELSE DISCLOSED. I HAVE BEEN TRYING FOR HOURS TO CONTACT THEM BUT I CAN'T. THEY WANT ME TO SIGNUP & IN, I DO NOT WANT TO FOR SURE I WILL NEVER GET OUT. I TRIED EVERY CONTACT US THAT THEY HAD AND EVERYTHING WAS A NO GO. I JUST WANT OUT! I HAVE KNOW CLUE WANT THIS WHOLE THING ENTAILS. THERE IS NO UNSUBSCRIBE.I AM ILL AND DO NOT NEED THIS EXTRA PROBLEMS. PLEASE HELP?! I WAS TRILLED TO FIND YOUR SITE. I NEED TOI EMAIL, I DON'T HAVE A TEXT PHONE AT THIS TIME.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District oXXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-11-27
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. (CA)

XXXX XXXX  Received goods back in XXXX. 
Was immediately unhappy. Returned goods how ever was told it was decided I did not? I continued to pay as I m always trying to improve. Then I find two amounts identical on my report. One XXXX XXXX who also sur me in court as well collection actions unlawful in ca. I submit activity to all bureaus and get one of two removed on Experian 6 years later but XXXX get serviced to court to find it was just fake. Sent a person w fake badge to my home to harass me Both XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX customer number XXXX should be XXXX as per the return policy and just posting two amounts for six years It was returned immediately dissatisfied no bureau will remove it its like they only listen to them I ended up submitting a dateline credit claim and it very well processed by Mrs XXXX Why did they not honor safeline I spent months on these issues to be harrassed
Consumer complaint received 2020-11-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2023-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Credit Resource Management is illegally reporting an alleged debt to XXXX credit bureau. I have never had any affiliation with this company and I was not notified prior to the account showing up on my credit report. I called the company to request contracts or documents showing I am responsible or affiliated with this alleged account. I have requested the account be removed from my XXXX report and XXXX responded verified by allowing the account to be reported. Also, this negliance is a direct violation of the following laws under the Fair Debt Credit Act : 15 USC 1681 ( c ) ( a ) ( 4 ), 15 USC 1681 ( c ) ( a ) ( 5 ), 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), 15 USC 1681n ( a ) ( B ), 15 USC 1681o ( 1 )
Consumer complaint received 2020-11-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

This has been an ongoing issue since 2018. My next step is to file a lawsuit against Experian. Experian is reporting a balance of {$12000.00} with a company called XXXX  XXXX XXXX. I received the official statement from the original creditor which is listing a balance on {$3500.00}. These two companies obviously can not have two completely different balances. I have sent multiple disputes that have came back inaccurately as verified.This is a violation of my consumer rights. you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks :
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TX)

On XX/XX/XXXX, I began my job at XXXX XXXX XXXX as the Excellence in Banking Director. I left my job as Chairman, President and CEO of the XXXX XXXX XXXX XXXX, Texas region. I lived at XXXX XXXX XXXX in XXXX and had a XXXX XXXX XXXX that was installed in XXXX. XXXX XXXX XXXX my successor bought my home and we called XXXX and they agreed to transfer the billing to him as he would keep the equipment. We did exactly as instructed and he is still with XXXX today. In XX/XX/XXXX, a collection was filed in the amount of {$550.00} with the credit bureau 's by Zions Debt Holdings, who received the collection from XXXX, who received the collection from XXXX. XXXX never closed out my account even though they made the transfer to XXXX XXXX XXXX. XXXX has never missed receiving payment for their service at XXXXXXXX XXXX  since XXXX. I have spent over 3 hours only to be run in circles even though XXXX acknowledges the debt is not owed. My credit score has dropped from my perfect XXXX to around XXXX and I could let this roll off in a couple of years, but their behavior is wrong, both morally and in my opinion legally. Given this experience and their response to me trying to do the right thing, I believe you will find countless other people that XXXX is trying to fraudulently collect money from. I look forward to visiting with anyone about this manner. 
Take care. 
XXXX
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I tried to use my Citibank double cash card to make a purchase on XX/XX/XXXX and XX/XX/XXXX. It was declined on both occasions. When I called to ask why the representatives gave me false information and refused to help me further. I was ask to verify my identity 4 times over almost 30 minutes and transferred from agent to agent. I believe that this is a deliberate attempt to harass the customer to make them get off the phone in order to reduce customer service costs. This is a terrible way to treat a customer.
Consumer complaint received 2021-11-11
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. (MN)

I have sent over several disputes to Experian, XXXX, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Please see enclosures regarding the earlier COMPLAINTS FILED COMPLAINT XXXX XXXX & COMPLAINT XXXX  XXXX As regards the replies from SLS Please be aware and know that the SLS reply to each Complaint is identical and does not address the issues in my Complaints. 

The enclosures state what SLS ignores over and over again along wiht SLS misinformation such as stating I said the LOAN was fraudulent when, in fact, the LOAN was USUARY. however, the FORECLOSRE was INTENTIONALLY FRAUDULENT. 

Most of the information given in the SLS reply is just words without relating to any of the content in my COMPLAINTS. 

Both of the replies will be downloaded herewith along with some of the photos of the INTERIOR DAMAGES within the SUBJECT PROPERTY PLEASE be aware the photos of damages are the only ones that could be reached. There are futhere damages that are hidden by furniture, boxes, etc. all to heavy or cumbersome for me to navigate.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

hello : I am a XXXX. Out of respect for the protection of private property in the United States, I opened an account in BOA on XX/XX/XXXX and successively deposited approximately US {$120000.00}. That is my legal income, and I have not used the money to engage in any illegal activities. But the money was taken away by BOA in a legal order on XX/XX/XXXX. Later, I had many telephone conversations with BOAs customer service department and security department, but failed to learn any information about this incident. I really want to know the reasons for the legal order and what I should do to get my own money back. 
Please help me, thanks!
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited {$210.00} cash into the capital one ATM machine located in XXXX California. The machine said there was an error and gave me my card back. The {$210.00} was not deposited into my account. Capital one has said they will investigate the situation. Capital one still has not started the investigation. All they can tell me is to wait and they will see what they can do.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Illinois Collection Service, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX ICS COLLECTION SERV, I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ICS COLLECTION SERV, I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXt of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
XXXX has violated my XXXX XXXX Act under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with XXXX Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with Experian , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with Mr.XXXX, XXXX Compliance Manager. 
Mr.XXXX just want to protect Ms.XXXX  and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX credit Reporting Agency stated they receive the verification of Derogatory remarks removals of 30-60-90 days of XXXX from XXXX credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that XXXX has business partnerships with XXXX, Experian?
Consumer complaint received 2020-11-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.