davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX FIRST FEDERAL CREDIT C XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT C XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

i am trying to protect myself from fraud i received XXXX XXXX card i did not apply for from bank of america I can't get through cs i am setting here wasting another day trying TO REACH THE BRANCH OF BANK OF AMERICA THAT ISSUES THESE XXXX XXXX CARDS TO EMPLOYERS AND I CAN NOT GET THROUGH. I CALLED MY CREDIT CARD AND THEY WOULD NOT HELP ME BECAUSE I DO NOT HAVE THE SAME # I HAD A YEAR AGO SO THEY CAN VERIFY THAT IT IS ME. THIS XXXX COMPANY OF XXXX WILL NOT HELP ME PROTECT MYSELF FROM FRAUD. SO I AM i am FILING THIS COMPLAINT. I GAVE THEM 4 FORMER ADDRESSES MY SS # MY DOB AND THESE DEMONS OF XXXX PUT ME ON HOLD BECAUSE I GOT ENRAGED. then I CALLED BACK WAITED FOR 20 MINUTES GOT A supervisor WHO gave me the # to money network from metabank SHE TRANSFERRED ME AND THEY HUNG UP ON ME I CALL BACK AND WAIT 30 MINUTES FOR THEM TO TELL ME THIS WAS ISSUED BY XXXX  PERSONNEL FROM WHEN I SIGNED UP 4 OR MORE YEARS AGO. THEY ASKED THIS COMPANY TO SEND ME A NEW CARD WITHOUT EVEN TELLING ME. NOW I WASTED DAYS JUST TRYING TO FIND OUT WHO THIS WAS WHEN ALL BANK OF AMERICA HAD TO DO WAS LET ME KNOW WHO IT WAS THE FIRST TIME I CALLED. BUT NO DEMONS WANT TO ENRAGE US AND PLAY WITH US. BUT XXXX XXXX IS MY DEFENDER AND YOUR GOING TO DRINK THE CUP OF EVIL YOU KEEP GIVING ME.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a paycheck that didnt have the signature from employer by accident the bank didnt notice and cleared the check, when they saw there was no signature they took the money back out of the account and it returned to normal balance. They claim they gave me a {$530.00} credit for check which is false because my account balance returned to normal after they took the {$530.00} back, they then claimed I overdrew at XXXX  but my account is set up for no overdraft protection so it would have been declined. Then they asked me when I was issued credit, I told them thats why Im calling because I never received a credit nor did i need one. Then they told me they're system shows different then what I can see on my transaction history and I am actually negative {$530.00} because of a system that they can see and I cant. That is no way to do business or help someone keep track of they're balance to have a different system that only they can see and not you Ive never heard anything like this in my life. I just want the money returned so I can have my account back to normal and no fees incurred because of they're negligence.
Consumer complaint received 2020-06-08
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: AMERICAN EXPRESS COMPANY (ME)

I opened a new American Express account in late XXXX I requested a balance transfer and got a letter dated XX/XX/XXXX that the transfer was approved for {$5000.00} to XXXX XXXX. I do not have a gulf oil account. 
I asked for the transfer to a different account that did not happen Ive called weekly since then and matter is still not resolved
Consumer complaint received 2023-01-23
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 (KS)

This was back in XXXX XXXX when my family had a account at Wells Fargo XXXX The fees would go up higher for no reason or money would come out of our account without explanation. Our ATM fees were also raised and we had to pay out more then what was originally planned. Since this time my husband has passed away in XXXX and I am now a widowed mom to our XXXX sons. In fact we may still have open savings accounts for all of us. I have not lived or banked at Wells Fargo since back then as we moved. I'm unsure of the problem as Wells Fargo would have that information and what fees were charged wrong or what amount had been taken back then. Would like to get some of those fees back if it was the actions of the bank and not us.
Consumer complaint received 2020-06-08
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: ERC (VA)

On XX/XX/2020 I wrote to Enhanced Recovery Company and XXXX XXXX to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote Enhanced Recovery Company they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Army and Air Force Exchange Service (FL)

I filed my income taxes for the year 2016 and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names AAFES. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.
Consumer complaint received 2020-06-08
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. (GA)

I sent a letter addressing the inaccuracies on my report to TransUnion and filed a dispute on XX/XX/2020. It has been over 30 days now and I have no updates or results.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Experian XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Experian :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Experian : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it XXXX concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Equifax :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Equifax : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

I am now aware that Care Credit has been taking advantage of me and violating my federally protected consumer rights.15 USC1605 states that a finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Care Credit has been engaging in deceiving and misleading practices and has been illegally billing me every month for the past 22 months ( XX/XX/XXXX to XX/XX/XXXX ). Due to their fraudulent practices, I have struggled every month coming up with the total of {$2000.00} that I have paid them during that time.This has caused me unnecessary stress and financial damage.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I mailed in dispute on XX/XX/20 to Equifax for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX   has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX when they sold the account to collection agency XXXX XXXX XXXX? There should not be a balance on a charge off account that was sold to a collection agency.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX, XXXX  & Equifax but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!
Consumer complaint received 2020-06-08
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 (MD)

Bank of America Customer Service CLAIM XXXX I am a victim of cyber crime. I on XX/XX/2020, I went to my XXXX  appointment at the XXXX XXXX XXXX XXXX, took cash out of a non-bank ATM machine fo use for the trip. Twos days later found my card was not working. So I logged in, found my card deactivated and two transactions on my account I did not know anything about with many more declined after those two. My account had been deactivated by the bank for suspicious activity A fraud screen appeared before my online account and I declined the transactions that I did not do. I was at home sleep with my card. Apparently a criminal cloned my card and was used it. I had set spending limits on my debit card somehow those limits didn't matter and money was taken out anyway. I was glad most of my money was in saving out the reach of the card or more would have been taken. 
I notified the Bank immediately. I was given a temporary credit for those fraudulent transactions. 
See attached. 

Few days later the credits were reverse and my calls to the Bank began. 

I also checked the consumer section of the Federal Trade Commission website and to para phrase ; I should get my money back for unauthorized transactions as long as I make notification within 60 days of statement. 

I did just that and notified the Bank XXXX online after discovery. ( See Bank receipt ). 

I am XXXX XXXX and it would have been impossible for me to make those DC withdrawals and purchases. 

So where is my refund for the rest of fraudulent transactions?? I am still due {$100.00}
Consumer complaint received 2020-06-08
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. (NY)

Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( NAVIENT ) twice by certified mail & US Dept of Educ as directed by all three credit agencies Experian, XXXX  & XXXX  but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-12-06
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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