davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CA)

THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR XXXX  XXXX XXXX. I HAVEN'T BEEN INVOLVED WITH XXXX FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. DYNAMIC RECOVERY SOLUTIONS IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.
Consumer complaint received 2022-03-23
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

- Date opened has two different dates
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/2020 Bank of America has a security hold on my account and will not let me access anything. I have called three times today and have spent more than three hours on hold. Each time I have been hung up on. They have wasted my entire day and just disconnect me every time.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I have excellent credit and every time I apply for the Apple Card by XXXX XXXX they require my identity. I upload my identity clearly with information matching. Within 1-5 days depending upon the 30 days that I wait they decide to decline because they cant get verification of information as per their decision. I ask if I can fax or mail they advised me that they can not do anything.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My credit card was turned over to collections when I was assured by a Bank of America representative that it would not be. 
I called Bank of America 's ( BOA ) credit card department on XX/XX/21. I called to inform the company that I would not be able to make a payment by the end of the month. I also wanted to know if my account would be turned over to a collection agency and reported to the credit bureaus. I informed the agent that I would not be able to pay until XX/XX/21. He assured me that my account would be fine and that my account would NOT be turned over to a collection agency and NOT be reported to the credit bureaus. This was not true and my account was turned over to a collection agency ... I called BOA again on XXXX and spoke with a XXXX XXXX. I informed him of what had happened and he told me that he would pull the recorded call from my previous conversation on XX/XX/21, to verify what I was telling him. He never called me back. On XX/XX/21 I called in again and this time I spoke with XXXX XXXX. He verified that the recorded call had been listened to on XX/XX/21. He also verified that the call validated EVERYTHING that I had told them about the initial XX/XX/21 call. He informed me that he was going to contact his compliance department to have my account removed from the collection agency and credit bureaus. XXXX called me back on XX/XX/21 and told me that their compliance department refused to correct this mistake, even though they verified that I was given wrong/false information by their employee.
Consumer complaint received 2020-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have had to call USAA every single time i have a transfer or deposit made to my account to make them " refresh my account '' ( their words ) in order to access my funds. I live paycheck to paycheck, i can not spend 20 minutes on hold waiting to speak to someone to request my account be refreshed when Im trying to use MY money. This is ABSURD. I have spoken to them about this multiple times and have been told both times that I MUST call in to have it refreshed. This practice has never existed until this year. I can not remain banking with them if this is not resolved. It feels like punishment for being poor or something. I have banked with them for over a decade, this is what loyalty gets me?? Why did this become a practice? And how is this even possible??? Any company can withdraw funds from my account instantly, but ai have to call my own XXXX bank to get access to my own money??? It shows my deposits in the transaction history but will not show it in my current balance or available balance. In the past, all of my deposits and transfers have gone through immediately and i have had immediate access. But that isn't happening anymore. This is UNACCEPTABLE.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (KY)

I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Equifax directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of XXXX and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Consumer complaint received 2021-03-19
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. (NJ)

On XX/XX/2021 I wrote a dispute letter to Equifax regarding 4 accounts that is reporting on my credit profile that are inaccurate. 
1. XXXX XXXXXXXX XXXX which is reporting a debt of {$0.00}. 
2. XXXX which is reporting a debt in the amount of {$0.00}. 
3. XXXX XXXX XXXX XXXXXXXX XXXX which is reporting a debt of {$2500.00} 4.XXXX In the amount of {$0.00} I also wrote another letter on XX/XX/XXXX regarding the same problem still no response.Equifax has failed to provide me with verifiable proof that I ask for in my dispute letters. 
Please Help
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

I just received a notification that a collection was added to my credit report. I have no knowledge of this company nor I have ever received any services. I was never notified via mail or otherwise of me having any possible debt with this company.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.
Consumer complaint received 2022-03-23
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. (FL)

An account was opened fraudulently in my name. 
Opened XX/XX/2021 Total Amount of {$510.00}
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I have spent over a week trying to get my account to work for Experian XXXX XXXX. I went through personal questions only I should know and failed them 4 times before getting kicked out. I tried to call Experian to help me resolve it, and all they did was take me through the exact same questions I failed 4 times before and got THEMSELVES locked out. So they said in order to help me fix it they would have to put in a ticket for me to speak with a supervisor and I would be contacted in 48 hours. 48 hours passed, and I never got a call from a supervisor. I called them back and they re routed my phone number to somebody who said they could not help me gain access to my account and even said they sent me to the wrong people. I then got ignored for 20 minutes and after asking if anyone was still on the phone and getting no response I hung up and tried to call back the original number. They then said that they didn't even see a ticket published for me to speak to a supervisor so either the first representative lied to me or somehow deleted my ticket. They then told me they would put in ANOTHER ticket for me to speak to somebody but i would have to wait another 48 hours. I very grudgingly accepted the fact that I'd have to wait yet again to see if my identity had been stolen which seems totally ludicrous to me. However, it's been ANOTHER 48 hours and STILL no supervisor has contacted me. I am extremely angry with this company. It's taken over a week of my time and hours of calls to get absolutely nothing out of it. This is not some joke or some small problem I'm trying to get solved, i believe my identity and all of my personal information is at a very serious risk and I'm being tossed around phone lines and unhelpful representatives like my information means nothing to them. Since then my phone number has come back as compromised as well. I need to gain access to my account and I have gotten absolutely zero help from the company who's supposed to help me deal with these specific things.
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

It seems like someone has made an attempt to apply for lease an XXXX  under my information. It was brought to my attention by a fraud alert that my social security details were exposed to the dark web. Shortly after I misplaced some important documents that may have been used in this process. I was unaware of this transaction until it was posted on my credit reports. In an attempt to apply for a property it was brought to my attention that I have a collection on my account that a collection on my account for a property Ive never stayed or leased at. At the time of said lease I was living in XXXX  and relocated to XXXX. Never have been affiliated with this place. And what I thought was an attempt to protect my information. I reached out to the credit bureaus shortly after being notified that my information was exposed to freeze my account. It was brought to my attention that I only put a fraud alert on it, as this is not a situation that I am familiar with it wasnt aware of the extra steps needed to protect myself. Ive attempt to collect information from said debt collector, but was unsuccessful, not proof of signature or lease detail has been provided to me.
Consumer complaint received 2022-12-30
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. (CA)

In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (CA)

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (CA)

About 2 months ago, I received a notice of debt owed from Nationwide Credit , Inc ( www.ncirm.com ). I was not worried about it because the last 4 of the account number, the amount and the middle initial of the owner did not match my own personal information. 

I bank with XXXX XXXX XXXX and the account in collections is also through the same bank so I contacted XXXX on XXXX/XXXX/2022. I spoke with the collections department, and they verified that neither the account number nor amount matched any account I have or have ever had. 

I wrote to Nationwide Credit on XX/XX/2022 clarifying that I am not the named party and requesting debt validation in the hopes that they would realize their mistake. Fast forward to XX/XX/2022 and I received one page of the debt validation report which contains all of the named party 's personal information. His address, DOB, SSN, his email address. 

This is incredibly irresponsible on the part of Nationwide Credit , Inc . They have given me, a stranger who lives XXXX miles away in a different state, access to all of this man 's personal information simply because our first and last name 's are the same.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

On two different occasions the day after I received my deposit from the government someone went and pulled out the remaining money that was on my card outside from the automatic bill payments which usually leaves me around XXXX to XXXX dollars from two different banks and not the normal bank I go every month to withdraw funds
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (VA)

XXXX is reporting an erroneous debt reported by Key 2 Recovery of {$1700.00}. This debt does not belong to me as my identity was stolen, including identification, social security card, and birth certificate. I am aware payments were made towards this account ; however, I affirm they were not made by me, from my authorized account, or on my behalf. This account of which Key 2 Recovery is collecting on in error and I have not had a relationship of any kind. 

As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.
Consumer complaint received 2021-03-19
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. (CA)

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX 2020  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-03-13
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: First Technology Federal Credit Union (OR)

First tech federal credit Union is reporting 2 charges totaling {$52.00}. We contacted them to report that was fraud and they said because we did not report within 60 days they can not remove the charge. I called in early XXXX and they said no balance remained and lied to me about the charges. I had them go back and listen to call and they are not acknowledging our conversation and did not record notes about our phone call. I believe they are hiding and trying to pass on the triad instead of closing the card. They are creating a moral hazard of my credit number being used without our permission.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (CA)

In addition to being a ID theft victim, the info on my Equifax and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert