davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The first complaint ( file # XXXX ) was filed on XX/XX/XXXX regarding Bank of America 's response on 'Identity Theft ' that occurred on my mastercard on XX/XX/XXXX. The Bank of America 's response on the first complaint filed is found to be not only inaccurate but also irresponsible as the bank has not performed a proper investigation on this matter. 

The mastercard account involved in this is : MC XXXX XXXX XXXX XXXX & MC XXXX XXXX XXXX XXXX ( both are same account while latter one was issued following ID-theft ). 

As an addendum to the first complaint filed ( # XXXX ), I am filing another complaint to the Fraud Dept. of B of A as confusing responses have arrived : ( 1 ) XX/XX/XXXX : a letter from Fraud Dept. arrived explaining the timeline events occurred regarding ID-theft charges. The bank 's explanation is grossly false in nature in that I, XXXX XXXX, have approved the transactions in text response ... ... ... when, in fact, i have not received such text warning. I believe my phone was tapped in by the ID-theft, and I could not have known this because I was busy seeing my patients. 
And when I complained that our phones were compromised and presented the evidence, the Fraud Dept.  did not even bother to investigate this matter. I have a proof that the hours when the fraud charges were made, I was at my office busy seeing patients ( and my wife, XXXX  XXXX, was at the XXXX XXXX XXXX store trying to figure out why her phone was jammed ) ( 2 ) XX/XX/XXXX : a letter from the XXXX XXXX XXXX XXXX XXXX   XXXX is received. This is a collection specialist law firm representing B of A demanding to collect {$27000.00} ( 3 ). XX/XX/XXXX : a letter from B of A is received saying that this fraudulent claim has been resolved. And all credits have beeen placed on my account. 

Now, these are the sequence of events that have occurred during last three months regarding my ID-theft issue. The Law Group representing the B of A is unwiliing to acknowledge the B of A 's own resolution letter. Please conduct a proper investigation and put a clear-cut resolution on this matter.
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete.

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately.

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected.

Thank you for your attentiontothismatter.
Consumer complaint received 2023-07-24
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

NETSPEND ( XXXX ) On XX/XX/22 i reported to Netspend because i found out in my account had : - XXXX fraud transaction ( different address and different name ) XXXX unauthorized transactions XXXX transactions canceled ( receipt included ) on next day, NETSPEND email for me let me know i have to waiting unstill XXXX will provisionally credit my account .... i am waiting ... .2 weeks than on XX/XX/22 i called for NETSPEND customer service to asked about dispute with claim number is XXXX, but the supervisor at NETSPEND yelling and argue to me really really mean and rude she said " i have no idea about your dispute claim, XXXX XXXX waiting ok .... '' i am waiting still XX/XX/22 NETSPEND email for me and denied my claim even though when i reported to NETSPEND i poof all documents i unrecognized transactions because different address and different name. NETSPEND said they are denied because all transactions listed on the claim was valid????? 
Enclosed are copies of statements, FTC identity theft report, documents included support for my case. 
NOW, i dispute all the transactions on the list with the card last XXXX ( XXXX ) i am requesting that the charge be refund money back to my account, that any finacial and other charge related to the fraudulent amountbe credited as well.and that i receive an accurate statement hope CFPB help me to solve this problem.thanks
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was at Bank of America around XXXX today to deposit cash into their atm outside the XXXX XXXX/XXXX  branch. The machine freaked out, kept my debit card and ate 63x {$20.00} = {$1200.00} in total. I spoke with the manager at the bank and called their support line, but there is absolutely no guarantee that I will be able to get my money back. There is footage of me sticking a big bunch of cash into the machine and then just standing there wondering what happened. This is really disconcerting that a machine would do this and that a branch does not have the power to fix it on the spot permanently. Now I have to wait in limbo for 45 business days before knowing if they are able to rule in my favor.
Consumer complaint received 2023-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordance of Fair Credit reporting act this creditor XXXX XXXX XXXX has violated my rights! On this date XXXX & XX/XX/XXXX there was a late payment on my report as well as XXXX, XXXX, XXXX, XX/XX/XXXX. Under 15U.S.C 1681 sec. 602 states I have the right to privacy. 15 U.S.C. 1681 sec. 604 ( A ) sec. 2 a consumer credit reporting agency can not furnish an account without my written instructions. 15U.S.C. 1666b a creditor may not treat a payment for a credit card under an open end consumer credit plan as late for any purpose. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

For the last 6 months, I have been trying to dispute my Credit file and have the disputed accounts corrected or deleted from my Credit Report. I have been submitting dispute letters as well as CFPB Complaints requesting that the Credit bureaus comply with the Fair Credit Reporting Act, and yet thy have done nothing! My constant requests and disputes have been constantly ignored by the Credit Bureaus! I previously sent a dispute letter to the Credit Bureaus dated XX/XX/2022. I am submitting this CFPB complaint to request to the Credit Bureaus that they look deeper into this matter as they are required to do under the Fair Credit Reporting Act. If the Credit Bureaus do not comply with the terms of the Fair Credit Reporting Act, I will be forced to file the lawsuit that we have been preparing. If it is not too much to ask, I need the following accounts corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2022-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, Navy Federal Credit Union, AND all three major credit bureaus. When I previously disputed this item -- XXXX XXXX XXXX XXXX response was providing a statement from NFCU showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. Navy Federal Credit Union required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My NFCU CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. 

My next step is to file a complain with the Florida Attorney General 's office and also to file suit against XXXX XXXX as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that XXXX IS still attempting to collect a debt.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

Monday morning XX/XX/23 I received a phone call from a Lady who claimed to be with ERC Collections telling me that they were attempting to collect a debt that I owed XXXX ( company that provides telephone service ) {$750.00} for a past due phone bill. I told her this bill was fraudulent because I have not ordered any service or items from XXXX. She told me they would send me information how to make a stolen identity fraud report to them. I don't use XXXX for my phone service. I use other companies that are more reputable and don't overcharge their customers. In the past few years XXXX has sent me Three fraudulent bills. The first one came directly from XXXX. The second fraudulent bill came from XXXX collections, and this fraudulent bill came from ERC collections. The first two fraudulent bills were cleared through the State Attorney General 's office and the XXXX XXXX XXXX. I am taking the same action on this third bill but I thought to start taking more serious action by notifying the Consumer Financial Protection Bureau. I feel these companies should be held accountable for sending out Fraudulent bills to XXXX XXXX XXXX XXXX. I also feel these companies are trying to steal money from people that do not owe them money. Can the Consumer Financial Protection help in this matter.
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attentiontothismatter.
Consumer complaint received 2023-04-28
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. (NY)

These inquires below I don't recognize and are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (DE)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

Barclays AARP Travel Rewards points were taken from our account on their website several times.Also account information such as address, phone numbers, email addresses and banking information changed. Rewards points were deposited into accounts that were not ours. This happened several times. We have never used their online service so dont know how someone was able to go into our account and keep changing information. 
Dollar amount taken from our account.. XXXX{$800.00} in XXXX XXXX, {$60.00} in XXXX XXXX, {$93.00} in XX/XX/XXXX, {$65.00} in XX/XX/XXXX XXXX  for a total of {$1000.00} stolen from us. When we first reported the incident in XX/XX/XXXXXXXX  Barclays said it would take about two billing cycles to get our points back as well as having us place a verbal password on our account but our points continued to be stolen. Each incident we have asked when we will get our points back and are told maybe another 2-3 weeks. I have spoken to several managers and am always told that they would escalate my issue. We just keep getting the run around and have been more than patient with them and I feel 7 months is more than enough time to get our points back. Account is supposedly locked right now but someone was still able to get access into in XXXX. They have done nothing to resolve this issue.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (CA)

I received a voicemail on Friday XX/XX/XXXX stated in being served. I called today XX/XX/XXXX twice once at XXXX XXXX  and once at XXXX XXXX. When I called they said they where attempting to collect a debt from Chase visa bank. Date of unpaid credit card debt XX/XX/XXXX. It didnt sound right so I asked if I could verify who they where. XXXX XXXX XXXX. They said theyre from XXXX California and they would go after anything like automobile, money in my bank as well as garnish my paycheck. After soon research online I realize my account had a statue of limitation. So during my second call I asked about it and XXXX said be a man and pay just pay. When I said I was reporting him he hung up on me.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX  Department of Nelnet XXXX XXXX XXXX XXXX, OR XXXX Subject : Demand for Swift Deletion of Inaccurate Account Information - FCRA Violations To Whom It May Concern, I am writing to demand the swift deletion of the following accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) : 1. Account Number XXXX : This account is reporting an inaccurate date opened, and there are 10 more accounts with the exact same account number reporting inaccurate dates opened, constituting violations of the FCRA .

2. Account Number XXXXXXXX : This account is reporting the date last active inaccurately, and there is 1 more account with the same exact account number reporting the date last active inaccurately as well, which represents an FCRA violation.

3. Account Number XXXXXXXX  : This account is reporting the date of the last payment inaccurately, and there are 10 more accounts with the same exact account number reporting the date last active inaccurately, also in violation of the FCRA .

I wish to make it unequivocally clear that I am not requesting investigations, as the inaccuracies are evident and in clear violation of the FCRA. Further investigations would be frivolous.

My demand is for the swift and complete removal of the inaccurate account information due to its erroneous reporting, as required by the FCRA.

Any delay or failure to comply with this demand will be viewed as ongoing violations of my rights under the FCRA, and I will not hesitate to pursue the necessary legal recourse to rectify these serious violations.

I earnestly hope to find an amicable resolution to this matter through constructive dialogue and cooperation, avoiding the necessity of pursuing any legal actions at this time but if we cant you are criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will have to also follow up with an invoice for said violations ( { {$10000.00} } per violation ).

Sincerely, XXXX XXXX please see attachments to see all the inaccuracies ive been contacting them about since march ive sent in countless letters and received no help with these violations
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: California Business Bureau, Inc. (CA)

I received another mail from california business bureau inc stating that that they are trying to collect the debt I owe at the XXXX XXXX XXXX the amounts are {$390.00} and the other amount is {$210.00}. They are making up those false charges. I don't know anything about it. Their number is ( XXXX ) XXXX. Last time they said that I owe {$130.00} and {$250.00} on the year 2017. They are making up false charges. They said that I already paid through XXXX and I asked them the number of XXXX  and they hang up on me.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (NC)

1. I refuse to pay any debt to CREDIT CORP SOLUTIONS account # : XXXX and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.