davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My b of a prepaid debit card was somehow hacked and thousands of dollars were withdrawn from my account at b of a atm 's. Although i filed a claim for this fraud in a timely manner and have done everything b of a has asked, they still deny my claim. They stated " there us no posting error to your account. We consider this matter closed ''. I have submitted my id for verification and a police report. I have asked them 8 times to revisit my claim and they continue to deny it. I will attach a copy of the police report that shows dates, locations, and amounts of these fraudelent transactions.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

CREDIT CARDS {$1300.00} Reported balance BANK OF AMERICA Last reported XX/XX/XXXX {$1300.00} Reported balance Credit limit {$10000.00} You're using 14 % of your account 's limit OVERVIEW Credit limit {$10000.00} Minimum monthly payment {$35.00} OpenedXXXX XXXX XXXX ( 2 yrs, 5 mos ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Amount past due {$0.00} Worst payment statusCurrent ACCOUNT DETAILS Account statusOpen TypeCredit card ResponsibilityAuthorized User Remarks -- Times 30/60/90 days late0/0/0 CONTACT INFO BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix itIf the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX It won't hurt your score. 

not my account not my social security number I DO NOT LIVE IN NEW JERSEY
Consumer complaint received 2019-12-17
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)

Transunion has accounts on my credit report that are not mine/inaccurate/false/fraud. XXXX-collections account was removed/deleted from XXXX  AND XXXX  on XX/XX/2019
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I can not believe that you did a proper investigation of these accounts, before, during or after you sent my account information anywhere else. You should have found these obvious inaccuracies on my credit report. A credit account can not be both open and closed. Tell me how this is and why you continue to damage my credit with these obvious oversights? After my request for a line by line investigation of the accounts listed below you still did not make note of the inaccuracies, which is a violation of my federally protected rights. These accounts are inaccurate and must be deleted : XXXX XXXX XXXX Account # XXXX was deleted from my Transunion and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my Transunion credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of my rights. 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AL)

During the time frame of XX/XX/XXXX, to XXXX XX/XX/XXXX, I was attending XXXX XXXX boot camp in XXXX XXXX, South Carolina. An account with Rooms-to-Go was created in the amount of {$1600.00} in XXXX of XXXX. Rooms-to-Go charged off this account on XX/XX/XXXX; during which I was receiving military training, with no means of communication. During my time in bootcamp, my home of residence was vacant, and no mail was forwarded to my address. My prior address was no longer in my name after bootcamp. After learning of the charge off, I contacted Rooms-to-Go and synchrony bank to try to resolve the issue ; stating the situation above, I was told it was too late to resolve the issue with Rooms-to-Go and had to pay either in full to synchrony, or increments with interest. During my absence, I recieved no notification from Rooms-to-Go, or synchrony bank about this transfer. During XX/XX/XXXX-XX/XX/XXXX, I have been XXXX XXXX and XXXX, and have had little time to resolve the issue further due to time differences and long distance calls. As of now I would like to resolve the issue with Rooms-to-Go, and pay off what I owe to the original lender, rather then the collections agency ; and possibly resolve my derogatory credit that has lowered my score significantly.
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (MO)

****THIS IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INXXXX form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
Consumer complaint received 2021-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MT)

XXXX XXXX XXXX I have submitted income information for forebearance only work part time they keep declining to process my appluication saying uts a private lender which is a lie its federal loans XXXX subsizided and unsubsidizedloans this is my contact information XXXX XXXX this is negatively affecting my credit report and after 10 yrs my loan would be forgiven. Acct XXXX XXXX XXXX XXXX XXXX XXXX iowa XXXX I have several class action lawsuits I havent heard anything or compensation XXXX email XXXX yet I keep having my wallet and personal documents stolen every few months
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. This is me filing this complaint and no one is filing this for me. This complaint is for misleading false credit reporting information.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.
Consumer complaint received 2021-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian has accounts on my credit report that are not mine/inaccurate/false/fraud. XXXX-collections account was removed/deleted from XXXX  on XX/XX/2019. XXXX-collections account was removed/deleted from XXXX on XX/XX/2019 XXXX-collections account was removed/deleted from my XXXX  credit report on XX/XX/2019
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (MO)

****THIS IS NOT A DUPLICATE*** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I had problems with Capital One before. I pay them {$25.00} a week for the past 10 years. I've noticed they have increase my my limit. They have been charging for over excessive amount in " late fees '' and " interest rate ''. Before, I I was paying good. I was unaware of my fees and increase in credit. I'm really tired of Capital One doing unethical things. They always try to go around my issues. I want them to remove the fees. I think they're reporting wrong on my credit report. If I don't get results, I will take this to a lawyer plus social media. This isn't right. I'm tired of them.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (GA)

Collections company posted two different amounts owed, one for {$170.00} and another for {$700.00}, on two different credit bureaus and wont respond to me on providing proof, after they have been paid. Credit bureau wont remove after Ive disputed with on experience and transunion.
Consumer complaint received 2021-12-27
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX
Consumer complaint received 2022-09-25
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)

My Personal Information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed below. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( BANK ) XXXX XXXX
Consumer complaint received 2022-09-24
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. (MO)

Clarity Service Inc. has collected and shared my personal information. Clarity Service Inc. has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a UCC 1 finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the XXXX XXXX known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (GA)

I opened a bright checking account with BB & T, because they advertised a {$250.00} bonus if all of the requirements were met within 60 days. It has been 3 months and I havent revived my bonus yet.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.