davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/21 I received a text message from a XXXX number stating there was potential fraud of {$3500.00} in my account via XXXX. I then received a call from Bank of Americas number ( XXXX ). I answered believing it was the bank since they spoke about possible fraud from my account via XXXX. The representative said his name was XXXX and that the XXXX transaction was for {$3500.00} to someone in XXXX. They asked if I knew someone there and I stated no. After, the person said that they noticed the XXXX was to XXXX and that they would reach out to them to get the funds back. I provided them with a code I received from XXXX thinking I was doing the right thing to protect my account. I was then told to put a request to send money out from my account to myself to get my money back from XXXX. My account seemed fine until I checked on XX/XX/21 that I was missing the {$3500.00}. 
As of XX/XX/21 I reached out to Bank of America and explained my situation but all I have been told is that it takes up to 90 days and that I might not be able to get my funds if the account the funds were sent to have been taken out. The money I had saved in my account were from my stimulus and tax return to use a cushion during this pandemic. I do not understand how Bank of America has told me that there is a possibility that I wont receive my money back and theres nothing they can do.
Consumer complaint received 2021-04-29
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: Park Hill Holdings (TN)

I applied for a home and this company name Corelogic is housing inaccurate public records on my report. I called asking them how they review the information and was inform they can not provide the information. Then was advise they will dispute it with the company whose provided it. Til this date I have not got anything supporting the accuracy of the public records. Only thing they can say is it has been verified but did not show me any proof or finding to show how its accurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Your company has inaccurately reported wrong information on my credit file and it has now come to a point where I have to send out a complaint just for you to straighten this out. I have sent letters the past XXXX months and nothing has been done, all letters I sent out were ignored.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (TX)

AAFES and Military Star Card back in either XXXX or XXXX erroneously charged my mother {$1500.00} for a " Sea Cruise '' that she never purchased. Because she's XXXX, my mother was ( and remains ) incapable of partaking in this activity, and thus, would never even consider making the purchase shown on the Military Star Card way back then. Both of us tried at the time to find a resolution to this problem through customer service at the XXXX on XXXX XXXX, but they were unaware of what to do, and were not helpful. And since this credit card was her first one, she didn't know how to formally dispute the charge on the card. Also, my mother was under mental & physical duress because of the negative side-effects of her medications, so she let this matter slide over the years. But with some recent improvement in her health, we are just now taking steps to fully resolve this situation.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Portfolio Services, LLC (CA)

Hello there is a company, XXXX that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for Orion Portfolio Services , LLC ( XXXX XXXX ) in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. XXXX and Orion Portfolio Services LLC should be ashamed of themselves for going after someone that has been victimized.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

TODAYS XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARE 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 ASSETCARE XXXX I have report your company to XXXX 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 XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-01
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. (AL)

I am writing to formally dispute the practices of the following companies on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the inaccurate reporting of my credit information, which I believe to be in violation of both Law 605 ( b ) and the Fair Credit Reporting Act ( USC 1681 ).

According to Law 605 ( b ), a consumer reporting agency must ensure maximum possible accuracy in the information it reports. However, the information reported by the credit bureaus is not only inaccurate but also misleading, causing significant harm to my credit standing and financial well-being. Despite my repeated attempts to rectify this issue directly with the bureaus, they have failed to respond adequately, which is unacceptable. 

Furthermore, USC 1681 outlines the responsibilities of credit reporting agencies to conduct reasonable investigations into disputes. It is clear that the bureaus have not adhered to these requirements, as they have neglected to provide evidence to support the claims, nor have they updated or corrected the erroneous information in a timely manner.

I would like the CFPB to investigate this matter thoroughly and hold the bureaus accountable for blatant disregard of consumer rights and failure to comply with federal regulations and doing a proper investigation. I am prepared to escalate this issue further, including potential legal action, if this matter is not resolved promptly.

I would like a prompt acknowledgment of this letter and a detailed explanation of the actions the CFPB will take regarding this issue. Please consider this matter urgent, as continued inaccuracies in my credit report will only exacerbate the situation.

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX XXXX  but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.
Consumer complaint received 2021-04-29
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)

A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

Experian and XXXX  are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On my dashboard thru unemployment status on money kept saying in progress was told money wouldvbe posted any day for a full month 1/2 I'd call my card said XXXX balance each time I finally logged into my account n saw money was posted from mid XXXX Up until ends of XXXX as soon as money was posted it shows it got took.out says cardtronics I filed a dispute on all transactions that came up to a total of XXXX filed a claim received a letter stating my account was on hold on frozen. Spoke with them was sent a new card and was told my cars would have a credit put on as soon as my card came in n I activate it when card came in my claims was closed and was told no further action would take place I reopened my claims and once more it was closed I asked for all relevant documentation to be sent to me and was transferred to a caseworker was on hold for 30 min and the call got hung up. Now I call n they cant further assist me or look at my claims because nothings found on their system not card number not thru social security number or claims number this is money from the state o would think it has fraud protection and bank of america is not even trying to fix or give a solution ..
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS 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 XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY XXXX 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. 11-MD-2295-XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a XXXX balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX and XXXX. 

I checked my report on XX/XX/XXXX, on both XXXX and XXXX  my credit account still noted closed. At this time I received results from XXXX stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with XXXX  ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.
Consumer complaint received 2021-04-29
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. (NY)

TRANSUNION, XXXX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days they keep telling me to wait 180 days but I dont have that kind of time but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (HI)

Am seeking info on how to contact the financial institution Synchrony Financial. My PayPal Extras MasterCard is issued by Synchrony Financial. I called PayPal to request a replacement for a lost/misplaced card. PayPal " XV2 '' agent reviewed my recent charges for month of XXXX. A {$1.00} charge to " Card Security '' on XXXX was the only transaction. I did not make that purchase/charge and I did not sign up for a recurring or subscription to a card protection service for this credit card. 

PayPal agent did not see any prior charges to this " merchant '' in my PayPal account history. She had no transaction ID or any reference to the charge, just a telephone number XXXX. The PayPal agent flagged the {$1.00} transaction and marked it as suspected fraudulent charge and cancelled that PayPal Extras MasterCard number and ordered a new card to be mailed to me. 

I attempted calling the number associated with the charge twice, once per day on XXXX and XXXX but received " we are currently closed '' message. 

I was able to make a phone connection this morning [ XXXX ] to what I suspect is a call center. First agent would not answer my question, " Where is Synchrony Financial located? How can I contact them regarding my account? '' I was asked for my full name, last 4 digits of my card number and my address. I repeated my question and told the agent I wouldn't give that information in order to simply contain the company 's contact telephone number. I terminated that call and went to a website given on the pre-recorded announcement, www.mycardsecurity.com. On that website, a number for Benefits Representative of XXXX was given. 

When calling that number, got another call center who also asked for my name, address and account info and would not give me the Synchrony Bank contact info. He said that their company HQ is in XXXX, GA. This agent said he could look up my info with my Zip Code. When doing so he said I had signed up for the card security in 2009. This could no the possible because I did not even have a PayPal account in 2009. 

XXXX search for Synchrony Financial states headquarters is in XXXX, CT. I suspect that the Synchrony Financial website may have been spoofed. I would like authentic contact information for Synchrony Financial to speak with someone about the alleged " Card Security '' service. I am concerned that the the {$1.00} charge to my PayPal Extras might have been a " ping '' to verify an active card.