davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

There was 2 transactions were made through XXXX  transfer from my savings account. Someone just added XXXX XXXX as XXXX recipient and made 1 transactions worth {$900.00} and 2nd transactions worth {$900.00}. 
I have filed case with fraud department and got the reply that " the device used to make those transfer is the same device i have been using to login ''. this is what bank of america people saying. 

I am telling them that i did not do those transactions to prove that i can do whatever they ask 1. I filed a police complaint with local police department they still stuck at assigning a detective to my case. 
2. i filed a case with general attorney. They replied to file a complaint with CFPB. 
3. I filed a complaint with XXXX These people are sucking my blood from last month over my own money. I am telling them i did not do those transactions and they keep ignoring that i did those transactions and closing the case.. 

I can even go to court to resolve this case but i am not loosing my money. 

I have seen in the internet the same issue is happened to other people they returned their money. Please see the video. same thing happened to me. 

https : XXXX I am attaching the proofs that support the case. 
when these transactions were made i did not receive any confirmation messages. 
when that much amount being transferred they should increase their security levels to stop these type of fraud. 

Bank of america people making me suffer because someone hacked into their mobile app and made these transfers now they acting like they dont want to refund my money. 

Bank of america people are BLOODSUCKING thief 's. 

Bank of america people know this issue but they not willing to refund the money. 

please help me to file a lawsuit against bank of america. 

Please Check this video https : XXXX
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have been trying to make two mortgage payments before the 90 day deadline ( which is tomorrow ) their computer is down or will not accept my payment, they have done this before. I will be calling tomorrow when their offices in Florida are open, what shall I do if they will not take my payments?
Consumer complaint received 2019-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (MN)

I was attempting to purchase my leased vehicle. I went to XXXX  XXXX and they listed several loan providers and I selected XXXX. I submitted the proper paperwork and was approved for a loan. The loan buy out was XXXX. I originally wanted the full amount but then decided on putting XXXX down on the loan. I wired the {$10000.00} to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX. on XX/XX/2018 XXXX. I was notified she received the money and I haven't heard from her since. 
I attempted to contact XXXX XXXX at XXXX and XXXX. With no luck. 
I contacted lending tree and they issued a complaint. The XXXX  has been notified and The Attorney general office as well.
Consumer complaint received 2018-10-29
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. (AR)

An account appeared on my Transunion report on XX/XX/XXXX. The account stated it was from XXXX XXXX XXXX for the amount of {$390.00}. The account creditor turned it over to an collection agency : XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, Florida XXXX. I spoke with the Collection agency on the XXXX and the XXXX. They could not find any record of an account with my name or social security. I also spoke to XXXX and they said that they do not have an account with that type of number. So I do not believe it is from XXXX. I also reported this to Transunion. This is not the first time these types of accounts have been reported on my account with Transunion. I would like a full investigation in this matter. I am not satisfied with the way Transunion handles these issues. I can declare with 100 % assurance that the account is not mine. I have never had XXXX services if it is an account from them. I have only had XXXX XXXX Services. Also, I have not received any phone calls or or anything in the mail to state that I owe anything.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2019-05-09
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. (NY)

To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

I have tried to reach out to Debt Recovery Solutions LLC with a HIPPA compliant regarding a debt they say i owe and asked to validate. I sent a validation letter also asking for the proof of my written consent that i gave permission to XXXX XXXX XXXX XXXX  releasing my medical information to Debt recovery Solutions LLC. I sent a certified letter back on XX/XX/2018 and have not received anything back as of XX/XX/2018. As in the FDCPA it has been more then 30 days and i am seeking this so called debt to be removed from all 3 credit agencies due to no response back.
Consumer complaint received 2023-03-21
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. (OH)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 


XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act XXXX  XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my TransUnion Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-21
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. (CA)

This inquiry is fraudulent and does not belong to me. 

XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (IL)

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXX XXXX is unaware of the " Cares Act ''.
Consumer complaint received 2023-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-03-13
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. (IL)

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the XXXX delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (TX)

I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.
Consumer complaint received 2018-10-28
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. (OH)

I need to update my file there are several variations on my name is XXXX XXXX, please remove my employer is XXXX I have had some issues with someone using my personal information. I have unknown or fraudulent addresses on my credit report that are not mine. I need the following addresses deleted or removed : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following phone they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-28
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I ordered some from XXXX they never sent me my item and I was charged {$44.00} they never took it off of my charge account and want me to pay a bill on that Im not paying anything on that card until they take that and fix that also was charged three times for the same item and they have not taken that off either thats {$20.00} they need to take that off of there also so I have a discrepancy of over 100 and something dollars and they need to fix it on a {$250.00} credit card Im not paying on the credit card until they fix it thank you XXXX XXXX and whos not taking it off the cart would be PayPal
Consumer complaint received 2022-03-13
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendKey Technologies, Inc. (NJ)

I, consumer XXXX have tried numerous times to request that company Lendkey stop reporting late payments to my consumer reports without my consent.

The company Lendkey is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the company Lendkey the written instructions to furnish this on my consumer reports.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Lendkey and

I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Consumer complaint received 2018-10-25
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. (NJ)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. Capital one have verified that this is not my account yet experian refuse to remove.

Details Account # XXXX. ( XXXX XXXX Closed Paid Account ) Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened. XX/XX/2013 Account Status. Closed Credit Limit {$200.00}
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (TX)

" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" ACS EDUCATION SERVICES '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " ACS '' and spoke with a manager in upstate, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with ACS as of XX/XX/XXXX.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

the bureaus are reporting this account XXXX inaccurately, i have written the bureaus over a year, wasted time and money, and as you can tell by my documents, they still are on my reports. The fcra says they must report accurately, and they just ignore the laws for consumers, i am a single om, trying to survive in these challenging times, and i am forced to spend time and money, on something this simple. EXPERIAN AND XXXX are the bureaus that are, leaving this document in my file
Consumer complaint received 2018-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (OH)

I received a credit alert from my monitoring subscription that there was a new derogatory item reported. I have not received anything from this company via mail, email, fax or phone. Therefore, I have no idea who they supposedly say that I owe money to.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

Had four items presented as pending. Made a XXXX deposit. Per Reg CC deposits post before debits. 

All items were paid and I was charged XXXXX4 in NSF Fees. I was not overdrawn. I have pictures of my bank balances in real time the day of the activity and the day after.