davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had fraud on my account and and {$600.00} was taken out of my account ( closed now ) I cant get the dates when it actually happened. The guy disputed transactions on my account dont know how this person had access to my account once he disputed the funds were available and he took the money. BofA reimbursed me then yesterday they took {$590.00} out of my account in which I had No idea they were going to do this! This is fraud to me!!!!
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX 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 XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

The servicing of my mortgage was recently transferred from XXXX XXXX to Select Portfolio Services on XX/XX/XXXX. While at XXXX XXXX, I was in an active COVID XXXX forbearance program that began in XX/XX/XXXX and it was still active when my loan was transferred in XX/XX/XXXX, however, the new servicing provider, Select Portfolio Services, has not recognized my forbearance status and thus reported me as being 180 days late on my mortgage. I now have civil damages. My XXXX XXXX just dropped XXXX points while I was seeking loans to help cover costs for losses generated during the pandemic. This is not right and it should be considered criminal.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Can not login to equifax online system or reset my password to add/remove a freeze. Forums on line indicate this password reset process is broken online which hinders my flexibility in freezing/unfreezing my credit. 

Website day after day week after week this website will not let me reset my password and access my information.
Consumer complaint received 2023-04-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FISERV INC. (FL)

A week ago I made a purchase at XXXX XXXX  and shortly after was contacted and told that the online purchase would be cancelled due to the company not having drivers. The purchase was cancelled and upon cancellation I was told that the deposit will be available either the same day or the next business day. The next business day came and my money was not available so I called my bank Money Network ADP and they explained that my refund will pend for 7 business days or I could call XXXX  XXXX and have them write their company a letter head explaining that they refunded me my money. I called XXXX  XXXX and the XXXX agreed to write a letter, the XXXX was very baffled since the company issued the refund and never had this issue. I called my bank again and was told that they never received a letter head and that I will have to wait 7 business days which would be XX/XX/23 for my refund. Here we are on XX/XX/23 and Im being told that I have to wait once again. I went a week without money to commute and now Im behind on my kids daycare fee!
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or 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 2021-12-22
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. (IN)

TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (AZ)

The follow information should, but does not, accurately paint a truthful picture and such consumer reporting fails to meet the " Maximum possible accuracy '' standard. My understanding is that I have the right to a fair and ACCURATE report, based on this understanding, the following data is reporting inaccurately and needs to be removed immediately. 

Address - XXXX XXXX XXXX XXXX XXXX AZ, XXXX Experian Accounts - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiries - XXXX Credit / 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 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I a writing to delete the following information in my file. The item ( s ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask the the Item ( s ) are deleted in order to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( s ) as soon as possible.
Consumer complaint received 2020-01-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. Transunion and XXXX have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. These items are not transactions conducted by me as the consumer. 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 XXXXXXXX
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (SC)

Exercise my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (IL)

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

15 u.s.c 1681 section 602 A. States that I have the right to privacy 15 u.s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased a game from a website online. The game was fake when it arrived. The payment was made through the website by providing me debit card. When I looked at the statement it said XXXX XXXX. I never used XXXX XXXX  and dont have an account registered with them. The individual set up a fake website to collect my information and made these charges through them. This was a scam that was done to many people. I went to the police station and filed a report for the unauthorized transaction and the use of my information and for sending out fake games. The claim was denied when it should not have been because I didnt authorize any XXXX XXXX transactions and dont have it and this is obviously a scam.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TEXAS CAPITAL BANCSHARES, INC. (NV)

Commencing on or about XX/XX/2023, my girlfriend and I fell victim to a multilayered scam operation orchestrated by the Fraudulent Company, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
This situation resulted in me loosing XXXX USD of my hard-earned funds.
Consumer complaint received 2022-10-04
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)

I just saw the response from Transunion regarding a previous account dispute. XXXX removed the information as they received the documents pertaining to fraud. XXXX XXXX IS A FRAUD ACCOUNT AND IS NOT MINE. THAT BALANCE OF {$11000.00} BELONGS TO SOMEONE ELSE, I WOULD HAVE PROVIDED FEEDBACK MUCH SOONER IF I SAW THE RESPONSE SOONER. XXXX XXXX WITH THE ACCOUNT THAT HAS A CHARGE OFF OF {$11000.00} NEEDS TO BE REMOVED. NOT ONLY DO THE POLICE REPORTS SHOW IT IS FRAUD THE AFFIDAVIT SHOWS FRAUD EVERY DOCUMENT I HAD TO SIGN AND SEND IN SHOWS FRAUD. MY IDENTITY REFLECTS OTHER INDIVIDUALS THAT ARE POPPING UP ON THE DARK WEB. THOSE NAMES OF THE INDIVIDUALS HAVE BEEN PROVIDED AS THE POSSIBLE SUSPECTS. I AM THE VICTIM. REMOVE THE XXXX XXXX ACCOUNT FROM MY REPORT OR MY NEXT ACTION IS TO UTULIZE MY MEMBER BENEFITS THAT I PAY FOR LEGAL ACTION AGAINST TRANSUNION. I SPOKE TO THE COMPANY MYSELF AND YOU KNOW WHAT THEY ARE BASING THE VERIFIED INFORMATION OFF OF? THAT A LETTER WAS MAILED TO MY HOME. THAT IS NOT SUFFICENT EFFIDENCE TO SAY ITS VERIFIED. PLEASE REMOVE THE XXXX  XXXX ACCOUNT FROM MY REPORT AS FRAUD RELATED. IF YOU NEED ANY FURTHER DOCUMENTS I WILL BE MORE THEN HAPPY TO PROVIDE THEM. THANK YOU
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

I have an account with Truist that I cant properly use because the XXXX bank wont process charges that are legit. I called the bank over and over and told the XXXX that I had legit charges but NOOOO they keep getting declined. These charges were made on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and XXXX and I told these XXXX I made them and the card still wont work what the XXXX!
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (TN)

I received a letter from Paragon Revenue Group about a debt from XXXX XXXX XXXX XXXX for XXXX. I have never received a bill from XXXX XXXX XXXX XXXX. I sent an email to Paragon on XX/XX/XXXX informing them this was in relation to a workers ' compensation claim and provided the Claims Manager contact information ( XXXX XXXX ). Per the Paragon letter if contacted before XX/XX/XXXX they would stop collection until they sent me information, I owed the debt. I never received anything from them. I received a notice from my credit monitoring on XX/XX/XXXX that Paragon had made a major derogatory mark on my credit report on XX/XX/XXXX. I sent an email to the Claims Manager on XX/XX/XXXX informing her of the Paragon letter and received a notice she was out of the office until after the XXXX XXXX 's holiday. I called Paragon on XX/XX/XXXX and spoke to XXXX and she said to send another email requesting them to remove the mark, and I sent the email that day. On XX/XX/XXXX, I was copied on an email from another Claims Representative XXXX XXXX XXXX XXXX and they had contacted Paragon and explained the responsible payor would be XXXX XXXX. To date ( XX/XX/XXXX ) my credit report still shows the major derogatory mark.
Consumer complaint received 2023-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

I have had this student loan since XX/XX/XXXX for XXXX, and the other one on XX/XX/XXXX for XXXX. I have paid on this loan for multiple years now. In XXXX, my husband and I filed for a XXXX XXXX Bankruptcy and Navient was included. In that they filed a claim against us for XXXX dollars. This bankruptcy was successfully completed in XXXX of XXXX and Navient received 100 % for the claim they submitted. Shortly after completing this payoff, I received a payment booklet from Navient for them to collect over {$1500.00} combined for the " balance '' of these two loans. No one from Navient could explain to me that after over 20 years and receiving over {$9000.00} dollars from me in a bankruptcy, where this " balance '' was coming from. I spoke with my bankruptcy attorney who told me that it was maybe " interest '' that continued to accrue during the 5 year XXXX XXXX  process. So, as a result, I've attempted to get Navient out of my life for good and try to pay this off. When you call them, the first thing they say is, " I can lower this payment for you ''. I said, no, I'm trying to pay you off completely. That is when I spoke with a Navient representative to set up 10 payments of XXXX} to be deducted from my bank account every month, this would complete the XXXX dollar balance. Later, I called and spoke with Navient thinking this was done. I checked my Navient account and it was set up payments of XXXX dollars to go toward each loan! I never agreed to that. So, then I called back to set up two payments of XXXX  dollars to complete the XXXX  to come from the same bank account. The bank never received that request from Navient. I called several times to Navient and they told me " give it time to process ''. A couple of weeks later, I received an email from Navient telling me that the bank rejected the payment of XXXX  because I put the wrong account or bank number. I've tried several times to pay Navient off but to no avail.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (AL)

I have XXXX amazon store card from synchrony bank and there is a duplicate charge of XXXX dollars from XXXX on the card by amazon.com that they already charged me on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX so I was charged for the same single item XXXX  times by XXXX and synchrony bank and there is also there are XXXX items that I returned to XXXX and each is for XXXX dollars and I only received XXXX refund on XX/XX/XXXX for only XXXX item but XXXX and synchrony bank still owe me XXXX dollars for the second item that I returned. So synchrony bank now owes me and should refund me both of these errors. XXXX for an overcharge of XXXX dollars that I was charged several times for the same item and XXXX dollars for the second item returned but never received a refund for it from XXXX