davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Some kind of way there was money taken out of my Merrill Lynch account in the amount of {$100000.00} and I am asking for the money sent back. They have just gave me the run around. I am now asking for interest on this money which I would have received.
Consumer complaint received 2024-09-08
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. (NE)

On Sunday morning, XXXX XXXX XXXX I  checked XXXX XXXX over new information on my credit report from TransUnion. I lost XXXX points on my XXXX XXXX. I knew an old credit hard credit check was coming off my scores, but apparently there were 4 new unauthorized hard credit inquiries to my TransUnion account. I did not make any new inquiries at all recently, much less between the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is no specific date, only saying between XXXX XXXX XXXX through XXXX XXXX XXXX were all of these inquiries made. Then even more strangely, the inquiries were taken off. My credit score is still affected. I have screenshots of the companies involved through XXXX XXXX. I will investigate further to find out who made these inquiries, and what fraud I am dealing with.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

i had asked equifax for a credit freeze and an pit out and was denied i had filed an identinty theft report with the FTC and asked for a freeze and opt out from all 3 creditors and i recieved a letter today from equuifax saying that they will not be blocking my information this is unacceptable i was scameed oeople got a copy of my id ss card and is destorying my credit as we speak.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (MA)

I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Upon reviewing my credit report, I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form 1099-C must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NH)

I am repeatedly ( nearly daily ) emailed by Halsted Financial regarding attempts to collect a debt that is not mine. The SSN in their files does not match mine, nor have I ever used the vendor for whom they claim to be collecting. This is bordering on harassment.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

1 ) 6 fraudulent transactions occurred on XX/XX/year> on my HSBC XXXX credit card. 
2 ) No merchants/vendors were involved in the six fraudulent transactions 3 ) The transactions were processed by a payment gateway system for credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) HSBC XXXX pretend I am responsible since the transactions were processed through XXXX XXXX XXXX XXXX 
XXXX ) HSBC XXXX refuse to share evidence on how XXXX XXXX XXXX could have processed those transactions without my phone, without my credit card and without my biometrics. 
5 ) I followed all HSBC prevention processes by blocking the card and payments immediately using different HSBC secure channels such as phone banking, SMS, email, and the Internet. 
XXXX ) I declined the first transaction on XX/XX/XXXX at XXXXXXXX XXXX. Using HSBC XXXX  Fraud. prevention system. Why did HSBC authorize the subsequent ones?

7 ) How did HSBC approve three out of the six transactions above my credit limit? Neither merchants nor I can approve transactions above my credit limit, which further indicates that the transactions were forced and hacked using the payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) The XXXX fraudulent transactions totaling XXXX XXXX  were consecutive and out of my spending habits. Usually, HSBC blocks any unusual transactions, requiring me to call to unlock them. Yet, even after declining the first transaction, HSBC authorized five other transactions flagged by HSBC as fraudulent and even approved the ones above my credit limit.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I lost my Discover credit card and unauthorized charges were made on the account. I never made those charges and they told me I am responsible for the charges. I them I was not the person that made it. They question me why I did not report the charges earlier and I was going through difficult times and family problems. I only logged in to check my rewards balance and I did not view the statements. I do not use this card that often. I only made a payment towards my XXXX charges. They declined the response. XXXX from the executive office emailed me and told me he will be looking into my case and he did not. He did not email me back and the balance is still on my card. I canceled the card and will not be using the company anymore until this matter is resolved.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I recently tried to freeze my credit report with all three credit reporting agencies. XXXX and XXXX were easy. But Experian is virtually impossible. I can not contact them via telephone because they only give me two options : submit a request by mail or use their web site. BUT, when I try to use their web site, I can not log in because they already have an account for me. AND because I forgot my password, I can not log in because my cell phone does not match their records. That leaves me with only one option : mail in my request. 

This is far too cumbersome and could be / should be much easier. Experian should give users other ways of identifying themselves other than just a phone number. If the XXXX XXXX XXXXXXXX can do it, Experian can do it. There is no excuse for this and Experian is denying me the ability to freeze my credit by making it unnecessarily cumbersome to do so.
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (NJ)

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX  XXXX  XX/XX/2018XXXX  XX/XX/2018XXXX XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

American Express sent an ACH to my bank, XXXX XXXX. To withdraw {$5000.00} from my checking account, to apply to my credit card balance. They were not authorized to seek the ACH debit of {$5000.00} from my checking account. The money left my checking account in route to American Express pursuing to their ACH debit, I was never applied to my account even though my bank has confirmed that they sent them the money. The {$5000.00} left my XXXX XXXX  account XXXX on XX/XX/year>XXXX  in route to Am Ex and it was never posted to my am ex account XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I've been dealing with this matter for several months now. My credit card was stolen, presumably from a gym locker room. Multiple fraudulent charges were made on my account. I contacted Barclay 's to dispute the unauthorized charges and provided them with a copy of the police report filed over the incident. The initially provided a provisional credit to cover the disputes. On XX/XX/year>, Barclay 's sent me a letter stating one fraudulent charge, totaling {$74.00}, had been placed back onto my account and the provisional credit reversed. Barclay 's claims this was due to " documentation provided by the merchant. '' These charges were never made by me. Therefore, any " documentation '' Barclay 's claims to have is also fraudulent. I asked for proof, the company refuses to furnish it. Again, I supplied a police report. If Barclay 's has any further questions, they can contact the XXXX XXXX Police Department. I will NOT pay for charges I did not make. I have been patient and reasonable with this company. They just refuse to accept the facts. This is my final attempt at rectifying this matter. If Barclay 's doesn't immediately credit my account back the {$74.00} they erroneously charged me I will have no choice but to take legal action and will sue Barclay 's in Small Claims court. I will not be treated like this and I will not pay a bill which does not belong to me. I did everything the company asked me to do. I went to the police. I put up with their ridiculous questions over and over again. I filled out forms, etc., etc. What else do they want from me? This charge is not mine. What part of this is difficult?
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

Hello, I am making payments with my XXXX XXXX award. I have called XXXX received check traces for both time I have used my XXXX XXXX award. I put them on three way and the XXXX person in MOHELA has yet to submit my claims. It is both documented and yet is has not been registered in my MOHELA account. 

Payments were made in : XXXX $ XXXX not showing up on MOHELA bill. 
XXXX $ 500-not showing up on MOHELA bill. 

Thank-you this process is getting frustrating.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/XXXX I made a payment of {$1700.00} to MOHLELA, in the form of a check, which represented my final payment/payoff. Since then, despite endorsing the check, MOHELA has refused to apply it to my account and they have refused to refund the money to me. Ive made approximately 15 telephone calls to MOHELAs customer service department to no avail. Even when Ive spoken to supervisors, including in the resolution department, Ive gotten placed on hold for very excessive lengths of time and Ive been placated. Ive been told the resolutions taken 5-7 business days on multiple occasions and still no resolution is achieved. MOHELA has stolen my money. Im trying to repay the money I borrowed, in good faith, and, I might add, pay it off early. Its utterly despicable
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

My previousl student loan servicer XXXX made a payment on my behalf to Mohela. Mohela has still not applied this payment to my account. I have called Mohela several times about this matter over the last year. I am incurring interest because they have not applied the payment to the account in the amount of {$2800.00}
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

For : account number XXXX Specifically, Amsher Collection Services has : 1. Reported inaccurate information to the credit reporting agencies, falsely implying I owe a debt. 
2. Failed to provide verification of the alleged debt. 
3. Made false representations regarding the amount or status of the debt. 


Additionally, as a debt collector, you are prohibited from engaging in unfair or unconscionable means to collect or attempt to collect any debt, violating 15 USC 1692j. 


Most importantly, since you are not the original creditor, you are not legally entitled to collect on this debt. The FDCPA prohibits third-party debt collectors from collecting debts unless explicitly authorized by the original creditor or the consumer. 


15 USC 1692j states : " ... a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ''
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX 
Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within XXXX days of the enactment of the XXXX XXXX XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
XXXX XXXX XXXX XXXXXXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX documentation
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AR Resources, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-09
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. (NC)

I am a victim of identity theft and wrote a few times to dispute the accounts that aren't mine. Transunion, XXXX and XXXX has ruined my ability to establish credit due to their data breach issues. I am being denied credit eur to this and they have failed again with their investigation.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The person that stealing my identity opened a credit card with XXXX XXXX XXXX  from XXXX of XXXX. Noticed this since XXXX had approximate debt XXXX XXXX I have been disputing the information ever sinc ethen and the bank was very uncooperative and unprofessional. I disputed information with the credit bureau 2 times where investigations was done poorly, however this is my 3rd attempt at disputing the information with the bureau. Apparently the person thats stealing my identity lives in the state of XXXX  which i never lived there in my life.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX someone accessed my online bill pay and stole the balance of my checking account {$9300.00}. I filed two claims with Wells Fargo and both claims were denied.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (SC)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CT)

I spoke to the president of Barclays, she said they found two accounts, and they were going to delete them and report it to the credit bureau which they have not done yet because it is still showing on my credit.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is SYNCB/Amazon PLCC . In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to Amazon not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the 1st late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. XXXX just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for XXXX and SYNCB/Amazon . I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, XXXX is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.