davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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)

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (GA)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Was called by a Bank of America phone number ( the same number listed on the back of my debit card ), and said they were from the fraud department and they caught a XXXX transfer of {$3500.00} to someone in XXXX. They asked me if I had sent that and I said no. They said they were going to put a fraud warning and then reverse the payment. They requested a manual reversal for {$3500.00}. They gave me a confirmation code and then sent the request for {$3500.00}. After that, the {$3500.00} disappeared from my account and they said not to log on for XXXX hours. I called BOA and was sent to their XXXX fraud dept where they confirmed it was fraud. The payment is processing, but they cant give me my money back until XXXX reviews the case which could take up to 45 days.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal credit union Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus XXXX XXXX and XXXX XXXX XXXX inaccurate/invalidated account Prove it.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2023-08-06
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. (FL)

I am submitting correspondence to the Consumer Financial Protection Bureau regarding concerns about the level of transparency and lack of written correspondence from Trans Union who acted on my behalf to investigate the legitimacy of Synchrony Banks business practices which include charging excessive fees, high interest rates, and refusal to honor higher payments than the amount due by continuing to ask for payment each month from a consumer who is a XXXX XXXX  at the time the account was active and not in collections. The creditor must provide in writing how it did not discriminate against a XXXX XXXX  by offering an extension of credit at an interest rate that is considered higher than the national average. XXXX XXXX  must provide in writing why it assessed such high interest which is deemed discriminatory and must remove all information from my credit report if it does not fully disclose in writing to the consumer the credit report rating it used to assess such a high interest rate. It must also provide an explanation why advanced payments at higher amounts did not constitute relief from the bank. Under the Fair Credit Reporting Act, consumer reporting agencies like TransUnion must corret or delete inaccurate, incomplete, or unverifiable information usually within XXXX.
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc (IN)

Subject : Complaint Regarding Debt Reporting Violation I am writing to file a formal complaint against Financial Assistance INC for alleged debt reporting practices that I believe are in violation of federal regulations, specifically 12 CFR 1006.34, Notice for validation of debts. 

I have recently become aware that an unfamiliar alleged debt is being furnished onto my credit reports by Financial Assistance INC. This information has been reported to the three major consumer reporting agencies, including XXXX, XXXX, and XXXX. My concern is that this action has taken place without providing the required validation information as mandated by federal law. 

According to 12 CFR 1006.34 ( a ) ( 1 ), a debt collector is obligated to provide consumers with validation information, which includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires debt collectors to disclose in their initial communication that they are attempting to collect a debt and that any information obtained will be used for that purpose. To the best of my knowledge, I have not received any such communication from Financial Assistance INC. 

The reporting of this alleged debt to my consumer credit report has had a severe and detrimental impact on my character, reputation, general mode of living, and my ability to obtain credit for personal and household purposes. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Financial Assistance INC for potential violations of federal debt collection regulations and consumer protection laws.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AL)

I have filed a complaint with the Identity Theft.gov of FTC. XXXX XXXX XXXX XXXX XXXX has sent me three invoices ( BILLS ) demanding {$1200.00}. This was for a XXXX XXXX. They did not tell me what the invoice was for, or even what company was selling it. I received a call from a man, who would not identify himself or the company he was working with. I tried to get all the above information and gruffly said something and immediately hung up the phone. Next, I received a call from Radius Global Solutions, LLC, a collection agency, telling me that I owed XXXX XXXX XXXX money. I refused and asked for proof of this. I received in the mail a completed online " CONSUMER RENTAL- PURCHASE AGREEMENT " form, signed by XXXX XXXX XXXX XXXX President of XXXX XXXX XXXX XXXX XXXX XXXX This was dated XX/XX/year>. This form does not tell who sold the scooter and I have not received a scooter of any kind. I did not order one and do not need a scooter or any other apparatus for personal transportation. On the purchase agreement, there are several printed signature names. This is NOT my printing and, the signature area blocks should be a cursive signed signature. Again, somebody, other than me, filled this in with printed letters. I have just gone through the online signing of two different Sell/Buy purchase agreements. Both agreements required a cursive written signature to be done by an online service company, with a cursive signature, who is signing the agreement/contract. What I received in the mail, looks like a blank form, that was filled out by a physical person, not by an online company program. I have never heard of XXXX XXXX XXXX, XXXX, or Radius Global Solutions, LLC until now. I did contact The XXXX XXXX XXXX about XXXX XXXX XXXX. Their report was of many false claims for money from people who had paid off their purchase agreements or did not owe the amounts XXXX XXXX XXXX was demanding. There are several CLASS ACTION SUITS pending against XXXX XXXX XXXX at this time. XXXX XXXX XXXX XXXX XXXX has filed complaints to XXXX, XXXX, AND XXXX credit bureaus for nonpayment of account. I was not informed of this action, so I will be sending a rebuttal action to the credit bureaus. I and others, by The XXXX XXXX XXXX report, believe this is a " SCAM " and also a case of " IDENTITY Theft "!
Consumer complaint received 2024-04-19
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Unauthorized Fees and Lack of Statements for XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Bank of America, and I believe your assistance is needed to address this issue. 

Upon opening the XXXX with Bank of America, I was not informed of any associated fees. It has come to my attention that my account has been charged unauthorized fees without prior notice, and I find this unacceptable. As a consumer, I believe it is my right to be informed about any fees associated with my account, and I expected transparency in this regard. 

Furthermore, I have not received any regular statements or notifications regarding my HSA activity. Access to timely and accurate information is crucial for me to manage my finances effectively and make informed decisions about my account. I have attempted to resolve this matter directly with Bank of America without success, and I now turn to the Consumer Financial Protection Bureau for assistance. 

I kindly request your intervention to ensure the following : An investigation into the unauthorized fees deducted from my XXXX account. 
Assistance in obtaining a clear breakdown of any fees charged to my XXXX. 
Guidance on how to rectify this situation and prevent such issues from occurring in the future. 
Ensuring that consumers are provided with transparent information about associated fees. 
I appreciate your attention to consumer rights and protection, and I trust that your intervention will help resolve this matter amicably. Thank you for your prompt assistance, and I look forward to a resolution. 

Sincerely,
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A Capital One Bank USA account ending in XXXX was opened in my name on XX/XX/XXXX without my knowledge or consent. High credit of {$2900.00} with a XXXX limit was charged and the amount was never paid off. All of this information I obtained through my XXXX credit report. I called Capital One in XXXX upon learning that my identity had been stolen and they informed me that there was an alert on the account and they could not discuss details with me but would get back with me. I never heard back from them until it was turned over to collections and I received a bill for {$3100.00}. This was the first bill I ever received sent through mail to my address, dated XX/XX/XXXX, from collections. 

I never received an initial card sent to my address. I never received account disclosure and details sent to my address. The first I ever heard from Capital One was once the card was delinquent they began to send text messages to my phone beginning XX/XX/XXXX. Initially, I thought it was a scam so I ignored the first couple texts but then after checking my credit on XXXX, I realized someone had in fact opened an account in my name, charged an initial {$2900.00} to the card and never paid. 

To this day, I do not know the original address card was sent to, the full card number, and what was purchased. I am going to follow up with frauds department at Capital One.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA (OH)

I wanted to withdrawal {$1100.00} out of my XXXX Goldman Sachs XXXX and said they could not verify my account to give me my funds. I already verified BOTH my checking and savings accounts with XXXX within the first couple of days of opening the new XXXX. They told me to send bank statements in the MAIL and thats their only option to verify. I sent them in, but I need my money fast because thats the main account I keep my savings in.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I haven't heard back about my XXXX verification wallet. It says it is still pending, and I will hear back about it in 1 or 2 business and 1 and 2 business days have been passed. My cash app tag is $ XXXX.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MI)

A collection agency is trying to collect a debt from me for an address that I never lived at, for XXXX XXXX XXXX, a product I have never had. I own the property surrounding the address but I do not live there nor have I never lived there I simply own the XXXX XXXX XXXX around it. They claim I owe {$610.00} to a company called XXXX XXXX  who has purchased the debt from XXXX. In addition to the debt being charged off it as well past the statue of limitations to collect it. I have responded several times to this company telling them I do not owe the debt it is for someone else and I've never lived at this address and they will not listen. The name of the company is TrueAccord Corp. of Lenaxa, Kansas. I have tried several times to dispute this through their website with no success as all it does is brings up a black screen when I try to submit it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc. (VA)

Regarding agreement # XXXX This was marketed as XXXX interest freefinancing for a total term of 48 months. The materials the dentist showed me were clear, as was his explanation. I recently checked the payment schedule and realized they are charging the full interest during the 12 month grace period so I contacted my bank to dispute the most recent payment and turned off all future payments because of this material misrepresentation by Sunbit. After several weeks of complaining, they finally reached out with a nonresponse and said it was final, though it does not resolve the underlying dispute. 

I have now learned that, despite a documented articulation of my dispute over this debt, they are NOT credit reporting that this is a disputed debt. They are just ignoring my words and manipulating the the credit reporting process to leverage against me. 

I will say it again to the XXXX now : this debt was not to carry interest in the initial 12 months but Sunbit is doing it anyway so I will not be paying anything further until they unwind all the interest to date and reapply all payments on the interest toward principal as originally represented. They need to report this accurately to the credit agencies. 

On the other hand, I may as well just let the damage mount and then sue them for fraudulent reporting under the FCRA, but it's probably more efficient for them to honor the original agreement and we can all live happily ever after.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (MA)

On all three of my credit report for each of the credit bureaus I have a number of hard inquiries that I do not recognize. I've tried reaching out for removal and they have refused to delete.