davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to dispute an inaccurate report linked with my name, regarding a recently closed account with Bank of America. This account was reportedly closed due to supposed suspicious and fraudulent activity, which I firmly believe is a misunderstanding that needs clarification and resolution. 
The transactions i made ( XX/XX/23 for a total of {$12000.00} ), ( XXXX a total of {$6800.00} ), and ( XX/XX/23 for a total of {$500.00} ) deemed " suspicious '' were individual checks I received from a client tied to my newly established business, registered as an LLC. As the business was in its nascent stages, these checks were deposited into my personal account at Bank of America. The funds from these checks were strictly related to my business operations, a fact that I can validate with the relevant LLC documentation and evidence containing the Consumer ID To my knowledge, these checks were legitimate. Therefore, it was surprising and distressing when my account was abruptly closed without any prior, direct communication or preliminary investigation. I had no cause to suspect any fraudulent activity linked with these transactions. 
My client, XXXX, provided these checks from XXXX XXXX XXXX  as payment for business services rendered. As such, I request that you thoroughly investigate this matter and reconsider the nature of these transactions.And not once did i ever recieve that money or used that money because it was never deposited into my account.
Consumer complaint received 2023-08-09
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. (OR)

Hello, the XXXX Experian credit score was indicated with 17 hard inquiries including a ( n ) {$1300.00} XXXX XXXX collection. The 17 hard inquiries are now erased ; a ( n ) paid for service : in addition, the XXXX XXXX collection listing has erased. The current score is indicating XXXX ; the hard inquiries cost a ( n ) consumer XXXX points ; the XXXX XXXX collection costs ' a ( n ) student about XXXX points. I want the scoring module to display the character, capacity and collateral listed within my parameter of my everything modulator ; I want the credit score adjusted to the XXXX, for a ( n ) accessible credit given my previous data and erasure ( s ). 
XXXX ) : - ) I recently sent in my XXXX letter of XXXX The letter stated the student loan in it's entirety was to be deleted. I was told of the Experian that there was a ( n ) 'unscorable ' indicated on Experian that kept my credit from being utilized and or accessible. There was indeed valid activity within the previous six months ' to where a ( n ) active usable score should have been indicated dated to XXXXXXXX XXXX XXXX. I spent time calling from ( XXXX ) XXXX, but, the Experian representatives wouldn't listen to reason and logic ; a whole lot of my valuable time wanting the Experian and credit of XXXX and XXXX to function properly. I have previous complaints regarding the FAIR CREDIT ACT report and the facts of my complaint that haven't been answered to 'success. ' This, is my complaint once again. 
Please fix the credit, thus, I may move forward with expenditures, schooling and employment, live endeavors; okay, thank you! : - ) SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (DE)

I have spoke to Cashapp and put in a dispute for a XXXX charge XXXX {$460.00} where someone used my card and committed fraud! I have a police report, lawyer, and documentation as well!! Cashapp provided my money back and then reversed it. However, you can see the person attempted to charge XXXX XXXX XXXX XXXX. With all of those my money was given back because obviously it was fraud. I do not know who the heck did this and cashapp has made it hard for me to get my money back. I want my money back and I am reporting cashapp to anyone who will listen. I do not play about that much money
Consumer complaint received 2023-08-09
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (MD)

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I had two credit cards with XXXX. Both cards were charged off by XXXX in XX/XX/2017. I have requested a 1099-G for both cards multiple times from XXXX and they have refused to provide the form for the charged-off accounts. XXXX also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested XXXX fix this multiple times, and they have refused.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues.

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 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.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (LA)

I opened the account and had no issues at first. I did it use the account that much. I started back working and made a couple {$1000.00} deposits from XXXX. While my child was sick and 3 days before we were supposed to leave on vacation my account was locked/frozen. I provided everything that was asked of me. I was in constant contact with the bank, but never got any answers. They would not speed up the process at all. The fraud department will on communicate through email and they are only available XXXX during daytime hours. They held my money for almost a week. I have XXXX children and did not have access to ANY money. On top of that, they continuously asked for the originating source of the money that I deposited from XXXX. I dont see how that is any of the banks business. This extremely inconvenienced my family and I absolutely do not agree with their practices or protocols. It caused my bills to be late, we had to cancel our vacation and my child had to go without medication. At one point I even threatened to contact my lawyer, but that did no good.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

These are instances regarding BARCLAYS Advantage aviator red MasterCard. I have had difficulty with them regarding their charging of interest and penalties which were not valid. Back quite a few months ago, I got an interest charge and penalty charge on my wifes credit card and when checking the statement, I found that the statement had been paid on time. I contacted Barclays and was told that they will often put a charge on the credit card and then, when the payment is received, they will then reverse the charge. I thought at the time that that was bazaar and made no sense. People could mistakenly pay the charge. I called and talked to a supervisor regarding this and she apologized and didn't know why that happened. Then again, several months ago, there was an item that I was to get a credit for. I was told to deduct the charge from my bill since I was not responsible for the charge. I did that but again received interest and penalty charges. I called and they said they would remove the charges. So I deducted the interest and penalty charges from my bill and then, on my next statement I again got interest charges and was told it was because I didn't pay the past interest and penalties. I asked to talk to a supervisor. I then talked to XXXX operator ID XXXX. He told me that my problem was not paying the bill and charges in full and as long as I didn't pay the bill in full even if the charges were not mine, I would continue to receive interest. I told him that I didn't think they should be charging people interest for charges they should need to pay because they werent valid charges. I told him that I was told to deduct these charges. He said that what I was told was not true. He was also rude and said that nobody would've told me that. He said that even though the charges were not valid that I had to pay them and wait till I got a credit for them on the next statement. I told him that was not what I was told. He said he didn't believe that somebody would tell me that. I told him that any credit card that I've ever had and had charges on it that weren't valid and that would be credited that I was told that I was to deduct them from my statement. He said that's not true and credit card companies don't do that. I believe he is wrong. I pointed out to him that if, for example, I as a consumer have something like a {$50.00} charge on my account which was not a valid charge that I had no reason to pay it. But if I was forced to pay it and if they have, for example, XXXX XXXX customers in my situation that they are talking about {$50.00} XXXX that Barclays has on float and they could use the money belonging to their customers. I don't know how that could be legal. I don't know how Barclays can use my money to do whatever they want to do with. Why should I be paying them money for not valid charges and they were able to use my money as a float for another month?
Consumer complaint received 2020-06-16
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: EQUIFAX, INC. (OH)

Equifax is refusing to remove XXXX  ( student loan guarantor ) from my credit report. I have written them on several occasions dating back to XX/XX/2020 about this issue. I've also did online disputes about this issue. I'm currently in the process of buying a home and my financial lender have reached out to XXXX XXXX of Equifax several times to remove XXXX from my report but they refuse even with the letter from XXXX  ( the servicer of the loan ). The letter had XXXX attached on the letter but XXXX XXXX said it would not be removed because the letter is on XXXX letterhead which is outrageous. If all 3 credit reporting agencies are supposed to report the same information and XXXX  and XXXX  stopped reporting per the letter why does Equifax refuse to update my report. My lender opened up another dispute with Equifax on XX/XX/2020 for the removal and update. The lender explained to XXXX XXXX from Equifax that XXXX  represents XXXX  in this matter heck when I tried to call XXXX  to handle the matter they transferred me to XXXX so why is it so hard to remove something that everyone BUT Equifax agrees shouldn't be on my report. Equifax could potentially cause my mortgage rate/approval to be in jeopardy.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There have been numerous amount of contact with Transunion regarding reporting the fraudulent accounts reporting on my Transunion credit report some accounts were deleted in my favor by submitting all necessary documents such as my FTC reports, Identity theft affidavit, previous CFPB reports, verifiable electric utility bills at the time any fraud account was opened to validate my ACCURATE address which is not the address the fraudulent accounts are reporting from a residence that was previously obtained and havent accurately be reported by me since the first month of XXXX  at the age of XXXX and current electric utility statement to verify my current address, screenshot of MISSOURI PUBLIC RECORDS FOR CASES that connects me to my previous address not the address attached to the fraud accounts which will also verifies my accurate address at the time the fraud accounts were opened, and SSN CARD/ STATE ID ( all documents will be attached to my CFPB report. Transunion has been delegating my file number ( XXXX ) fraud disputes between 2 main internal departments Consumer Relations and special handling department. My most recent reinvestigation included XXXX whom is notoriously known for having consumer lawsuits brung against them for inaccurate reporting, resulted in the fraudulent account being DELETED in my favor but its collection account still remains and within my efforts to gain clarity as to why the collection account remains after the original creditor account had been deleted due to fraud after the special handling department claimed that the XXXX  account still remained on my transunion report while Transunions consumer relations department confirmed otherwise that the XXXX  account was indeed deleted amongst other fraud accounts I also can confirm my transunion credit profile being obtained through XXXX XXXXXXXX XXXX XXXX, XXXX XXXX that also confirmed the fraud account was indeed DELETED!!! Transunion special handling department has given me a VERY HARD-TIME SEEKING CLARITY on why two separate internal departments are claiming conflicting information which also clearly proves the investigation process by Transunion is not properly being handled blocking these fraud accounts!!! Every phone call should have been notated by each department to validate my current claims and any communication with Transunion during this STRESSFUL PROCESS AS A FRAUD VICTIM. This will be my last attempt to resolve this without bringing these issues to a court of law with INTENT TO SUE violating my consumer rights.
Consumer complaint received 2023-08-09
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. (PA)

I have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX  XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXXXXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. TodayXX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022 this call was also monitored.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

RE : VALIDATION ; CEASE AND DESIST Dear MIDLAND CREDIT MANAGEMENT INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-09
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. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Inquiry XXXX
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (FL)

I have attempted to contact XXXX XXXX XXXX on multiple occasions. This company provided me with a product that was basically a secured card. I had a secured deposit at the beginning of the relationship and everything was managed withing a mobile app. 

Their app became unusable and I was unable to login and view my account and make payments for my liability. This caused an issue with my credit report and drastically impacted my score with late payments. 

They have kept my deposit and no liability is outstanding with their company and myself. The only problem is that I was not late because of my actions, it was due to a technology failure.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (AZ)

I have had a money Lion bank account for 3 years. I have been trying to get to the bottom of how much money I have invested in my stocks and shares investments and can never get a direct answer. I also have noticed transaction 's that we're processed without my permission and they have withdrawn money from my investment account and sent it to my checking account and I have never seen that money. I believe I'm being scammed and fraudulent activity is going on at this company.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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

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

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX  XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX