davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] XXXX [ XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], on [ XXXX ], and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$300.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges.

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
Consumer complaint received 2023-07-01
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. (MS)

Multiple attempts made to contact company since XXXX to notify XXXX of the unauthorized inquiries as well as credit card ( XXXX XXXXXXXX XXXX  ). These do not belong to me. Find attached FTC ( Identity Theft Report ).
Consumer complaint received 2023-06-05
Product: Credit card or prepaid 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: DISCOVER BANK (NY)

I ordered a coat from a merchant by the name of XXXX. Returned it, using the label provided by the merchant. 2-3weeks went by and I did not receive my refund, so I contacted the merchant. The merchant contacted XXXX  in regards to this matter ; XXXX  stated that this parcel was misdelivered. XXXX  failed to retrieve the lost parcel, so they reimbursed the merchant/sender for the grand total. However the merchant never refunded me, even though they were refunded. I submitted a dispute with discover. I provided the label that was used, communication with merchant, and XXXX  statement saying they reimbursed the sender for the lost parcel. Discover isnt being helpful and is basically trying to put responsibility of a $ XXXX charge on me, when this merchant was already paid once by XXXX  .
Consumer complaint received 2023-11-12
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. (TX)

I have disputed these accounts multiple times theyre not mine & I am a victim of identity theft. I have sent Trans Union XXXX XXXX proof of filed FTC Report & police report when I was assaulted & had my purse was stolen which included ID, credit cards & other sensitive information. I have been disputing & trying to resolve these accounts for months! I have reached out to creditors for original applications to verify information. Some arent responding & others are sending incorrect requested documents & Trans Union XXXX XXXX is still reporting information accounts as verified & accurate. 

Below are the accounts that were opened in result to identity theft XXXXXXXX XXXX XXXXXXXX XXXX {$410.00} ( Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$5500.00} ( Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} ( Trans Union XXXX XXXXXXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  - {$5500.00} ( XXXX ) XXXX XXXX N.A - {$620.00} ( XXXX ) *I have supplied tracking # that I used for supporting information claim included on attached Receipt
Consumer complaint received 2023-07-07
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-05-12
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. (GA)

THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO TRANSUNION, XXXX AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )
Consumer complaint received 2023-07-07
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 was a victim of identity theft, I have made XXXX complaints in the FTC department notifying each of the credit agencies XXXX, TRANSUNION, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (TX)

This complaint is because Im very worried and concerned about my investigation results. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account also has an inaccurate payment history across other credit reporting agencies. 

Account Name : Dept of Education/XXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account is not reported by the other crediting agencies and it was just reporting a {$14000.00} and it is now reporting a new balance increase of over {$300000.00}. This is in no way my account! 

The information for some reason is still incorrect and is wrong. I dont understand how they could have done a good job at investigating when the go some things. If the information was not mine and incorrect they were supposed to fix it according to 15USC1681i ( 5 ) ( A ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the info the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted form the file of the consumer. 

XXXX XXXX XXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account type, Status, Balance Updated, Payment history ] Dept of EducationXXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account Type, Status, Payment history, Last payment Date ] This account has already been removed by the other credit reporting agencies. per Accuracy and Completeness of Information 15 U.S. Code 1681e this account must be removed from my credit report.

Please remove this immediately its causing unwanted stress and its preventing me from getting my 1st first home.
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AZ)

On XX/XX/22 I went online to explore a short term loan as my funds would not be available from a deposit I had made until XXXX. I first visited national small loans, but in working on the application when I came to understand the terms of the loan I chose not to proceed. I received an email notification from them indicating the need to sign the application to proceed and intentionally did not, as I chose to go with another lender. XXXX when I checked my account a deposit of {$500.00} had been made to my checking account. I called and attempted to speak with someone to notify them of the unauthorized loan and coordinate the return of funds and was advised the representative could not help me and I would have to wait until the billing department reached out to me, but they could not indicate when this would be. I then forwarded the email to them that showed I had not authorized the loan and indicated I wanted to resolve this and have not had a response. I researched and found numerous complaints in the XXXX XXXX XXXX  of similar experiences of the provider in question depositing despite the loan not being authorized. I called and filed a complaint with the FTC # XXXX, and upon their encouragement have contacted my bank that reports they can not reverse the deposit. The FTC advised that I not contact National Small Loan further at this time and contact the Consumer Financial Bureau regarding the need to end this loan that was not authorized.
Consumer complaint received 2023-09-11
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. (NC)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$990.00}
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$990.00}
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NJ)

I made a balance transfer {$5200.00} plus fees on XX/XX/2023 but I never received my money into my account I have a XXXX account one day i got the call from XXXX  XXXX XXXX they told me that someone is using your check to deposit into their account into XXXX XXXX that they put the check on hold if it wasnt for the call i got from the XXXX  XXXX XXXX I would have never known about this issue and I would have been still waiting to receive my check to deliver to me. I have no bank with XXXX XXXX XXXX i only have XXXX XXXX. first they disputed me the amount of the fraud then they added the amount back again on my account now my account is negative {$4400.00} my account full limit is {$5500.00} so I'm negative on my account XXXX XXXX something all this Is badly affecting my life and my credit score. I had a good credit score of 700+ now I'm currently sitting at XXXX. I'm a victim of this absurd investigation they did on my account I'm looking forward to take legal action on discover bank I need help in this regard. Company is not responding or taking any action to resolve this issue. Im a victim of this fraud that happened on my account Im going to take legal action against everyone involved in this absurd investigation. Company is saying I received the check but i never received the check to my mailing address and someone cashed the check by writing my full name and those arent my signature my identity is being used. Im going to sue the credit company for my pain and suffering and for false accusations on me and for destroying my excellent credit score now I cant make any future purchases with my credit score. I want this dispute to resolve as soon as possible I can not take it anymore i had enough of this XXXX. Only option is left for me to sue everyone involved.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Someone had perpetuated a fraud against me, possibly from Bank of America and I need my money back immediately as this is causing me incredible stress & grief! 

On XX/XX/2024 I deposited money at BOA ATM Machine. 
I then went to the XXXX XXXX Minutes later as im exiting the store My phone rings with an XXXX number. I dismissed this as I always do with XXXX numbers It immediately rang back again and I then realized it was B.O.A. 's number XXXX XXXX so i picked up to hear " Hi this is so & so from BOA calling from the fraud Dpt on a recorded line can I speak to XXXX? '' " Yes this is he ''. He then gave me some speech about someone trying to fraud my account, and after several times of me questioning him, he assured me since this was BOA phone line hes calling from that it was legit. He had me wire {$690.00} through XXXX from my account which left me around XXXX dollars. 
Ive had to borrow money as that money I deposited was for Bills! 
Ive had calls in the past from BOAs XXXX XXXX XXXX XXXX phone line regarding fraud attempts so this is why I made the foolish decision to send the money. 
If needed I have screenshots of the incoming calls from the XXXX XXXX XXXX on XX/XX/2024 I need MY money credited back to my account now yet Bank of America had denied my claim 3 times now! Please help Someone please call me regarding this ASAP! XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$22000.00}
Consumer complaint received 2021-05-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (VA)

XX/XX/21 Called and spoke to XXXX in Collections to get out of forbearance and start paying back regular loan payments and add missed amount to the end of the loan which was told I could do so when I took forbearance process due to out of work due to XXXX She advised me to submit Loss Mitigation Application which I did through the website. Called back on XX/XX/21 and spoke to XXXX in Collections which transferred me to XXXX in Loss Mitigation Dept and she told me application would take 4 wks with underwriters and that mine was still in review. Called back again XX/XX/21 at XXXX and we would owe {$6600.00} and she had checked to Hardship department and they told her that I was approved for Deferment Referral and I would receive a letter about that. Called then back XX/XX/21 at XXXX and spoke with XXXX XXXX Collections that transferred me to XXXX XXXX Hardship Dept and she told me that she didn't see any application submitted on my account and that since I have a Farm Loan on the property that the Deferment Referral is not an option due to the type of loan I have ; was on hold 30 mins while she " checked '' to see if they had my application. She didn't show application so she transferred me to BRACE Dept and I spoke with XXXX since I need to get application into system. XXXX helped me complete the Loss Mitigation Application since it didnt go all the way through due to documents needing to be attached ( I thought it went through 2 wks ago ) but that doesnt help the fact that people were giving me completely bogus information that was not correct. XX/XX/21 at XXXX FINALLY was able to print/fax application & documentation since the website wouldnt allow the application to be submitted. XX/XX/21 at XXXX Spoke to XXXX in Collections then transferred to Supervisor/XXXX  with Hardship Taskforce Dept since there has been A LOT of miscommunication and false information given to me via phone calls within the last two weeks. SupervisorXXXX was great with reassuring my situation will be taken care of and he apologized for any false information given.