davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

we have disputed this via XXXX  XXXX on XX/XX/2019 as well as sent a letter to the creditor on XX/XX/2019. Have not heard back from either dispute. We have no idea what this debt even is, and have tried to find out which has produced zero results.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

My debit card information was stolen and used across multiple businesses on XX/XX/XXXX, XXXX and XXXX 2019 throughout the XXXX area. However, I left XXXX on XX/XX/XXXX to go on vacation for the holiday. There is a XXXX charge on my account proving that I was NOT in the city on XX/XX/XXXX. 

I reported the unauthorized transactions to Regions on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX. 

I have spoken with a Regions representative about my case, and she let me know that the Fraud Claims Department denied my request for reimbursement today, XX/XX/XXXX. 

These are the charges with location, date and amount : XXXX # XXXX XXXX XX/XX/2019 {$6.00} XXXX # XXXX XX/XX/2019 {$100.00} XXXX XXXX XX/XX/2019 {$9.00} XXXX XXXX XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$460.00} XXXX   XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$210.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$14.00}
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (CA)

I have been requested to pay for a collection that is not mine. I ask for a contract and they sent a fraudulent contract with a signature that is not my signature. It is for an alarm service where I don't live and have not authorized anyone to use my name or credit. This can only be stolen identity because this is not credit account. Three years ago, XXXX, XXXX tried to collect from me, I explained this was not my account and they removed from the credit bureau, then approximately a year later XXXX, I received mail from another collection agency which I don't know the name. Now I'm receiving from another collection agency. They just keep selling this unauthorized, fraudulent debt. The email address, telephone numbers or the bank account the funds were being drawn from is not mine or has ever been associated with me.
Consumer complaint received 2022-10-11
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. (CT)

Recently I submitted an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, all information listed on my credit report has to be 100 % accurate on said mentioned report, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurately
Consumer complaint received 2019-05-25
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: ID Analytics, Inc. (MD)

Recently applied for major credit card and was refused by Sagestream LLC even though I have 700+ credit score. I deal with XXXX XXXX and XXXX and have never been late on paying. Other credit reports are in standing.
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (CO)

The following accounts are being reported by the following bureaus XXXX & XXXX! XXXX XXXX XXXX invalid account never verified BRIDGECREST XXXX invalid account never verified XXXX XXXX invalid account never verified for the record They are invalid and have never been verified for the record nor the record have they shown me any legal tangible instrument via mail or email. I have requested this several times, I have been violated with the damages both BRIDGECREST, XXXX XXXX, & XXXX are legally liable for the following illegal behavior and actions : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts The following accounts below are in error because of identity theft ( please refer to the attached FTC Identity theft report within the mailing packet ) According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit documentation. XXXX XXXX, BRIDGECREST, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. This information has never been verified for the record via mail or email and once never as a legal tangible instrument. CAN THE FOLLOWING COMPANIES EXPLAIN TO ME WHY MY RIGHTS KEEP BEING VIOLATED? ALL INFORMATION SUCH AS FTC ID THEFT AND OTHER SUPPORTING DOCUMENTS etc. HAS BEEN ATTACHED TO SEVERAL PAST COMPLAINTS.
Consumer complaint received 2022-02-26
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)

I have sent in numerous dispute letters and XXXX reports to XXXX, XXXX, and Experian to have these items deleted off of my consumer report. There are XXXX negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX services {$3500.00}, XXXX XXXX XXXX  XXXX {$3000.00}, XXXX {$5300.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.
Consumer complaint received 2022-02-26
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)

On or about XX/XX/2020 I was receiving much needed benefits for the entirety of XXXX full months till the other shoe dropped and my benefits stopped because of the negligence of Bank of America and there inability to communicate during a fraud pandemic. Understandably they where busy from making the grave mistake of allowing full access to anyone who get their hands on the card for XXXX  XXXX. I had made several full fraud complaints to the bank and XXXX to XXXX but they continued to let the man steal my benefits till I gave up trying. Its been almost XXXX years now and my life and my children 's life drastically suffered.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (NY)

I never opened the Destiny Mastercard but received a bill in the mail. I checked and noticed that this bill is also on my XXXX  credit account.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (OH)

NCB MANAGEMENT SERVICES # 1953 is violating several FDCP laws. I do not know this company. I have never signed a contract with this company.

PC 530.5 states that every person who willfully obtains personal identifying informationof another person, and uses that information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person, is guilty of a public offense.

A previous request for them to produce the ORIGINAL CONTRACT of this debt with this company has not been received, yet they continue to violate my rights as a private consumer. They have violated the following 15 U SC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

15 USC 1681 ; Harass and oppressive use of intercourse about an alleged debt.

15 U SC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 U SC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( are not a party In the alleged debt )
Consumer complaint received 2022-10-09
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

Zelle through XXXX XXXX. This is the first time I used Zelle. I sent money to an individual expecting a product and they are not responding when I asked for a tracking number. XXXX XXXX  and Zelle and not responding to my complaints either. I got ripped off for {$220.00} and I want Zelle or especially XXXX XXXX  to reimburse me since they advertised the business Zelle. 

The individual I sent money to is XXXX  XXXX, XXXX XXXX XXXX XXXX on XX/XX/2022 at XXXX p.m.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MI)

CREDIT COLLECTION SERVICES have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$200.00} {$18.00} {$97.00} {$45.00} {$430.00} {$38.00}
Consumer complaint received 2022-10-09
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (FL)

Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WA)

I have tried numerous times with Discover to take out my payment within a decent time. They take up to XXXX days and have taken longer to take out my payment. I have had stellar payment history, even though the pandemic. As soon as I moved to XXXXXXXX XXXX I have been having problems with them taking my payment out. They keep saying it is because my bank has not confirmed that they can take the payment from my account yet, when I call my bank they tell me they haven't received anything from Discover. That has been the back and forth. I live paycheck to paycheck right now due to XXXX and have not been making the money that I used to be making. Taking XXXX days to take out a payment does not work for me, plus they have never done this in the XXXX years I have been with them. This has resulted my account going negative and shutting the card off. Another factor is I could only pay XXXX dollars on my card this month. They received the payment and it was taken from my bank account but ( originally XXXX, - {$140.00} ) and now that the payment processed and went though I am now at XXXX, - {$170.00}. That makes XXXX since to me. If I pay something, usually its supposed to be subtracted from the total not added. They will not help me nor, send the collections payment to someone else so I can pay this off. It has affected my credit score drastically since dealing with this and can do nothing for myself. I am drowning as is with XXXX and having to move cities just to stay afloat.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

To whom it may concern, Commencing on or around XX/XX/2022, till XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my XXXX and XXXX accounts through an intermediary named Coinbase ( which I hold accountable ) to these fraudulent investment companies.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 using my Bank of America checking account I placed an order worth of {$17000.00} on XXXX  Website. 
XXXX has lost the package and paid XXXX for the claim and XXXX is neither refunding nor shipping my order. And XXXX is telling me that they dont want to talk to me anymore. 

I asked bank to reverse the payment and they said they cant. 

My money has been lost.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2022 I have contacted Equifax, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022 I have contacted XXXX, TransUnion and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Consumer complaint received 2022-02-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was mislead by Bank of America that I can get a preapproval for a va home loan. Promised they can add my tax exemption to help with my debt to income is. Was denied because they cant add my tax exemption after saying they would. Now instead of getting a 3.375 interest rate and XXXX in closing assist Im stuck in the final stages with a lender charging me a higher interest of 3.750 rate and a estimate of XXXX In Closing cost. Attached is clear proof of my tax exemption that helps my mortgage not be 1/3 over my income on a XXXX loan. I even had preapproval sent to me.Im currently under contact and I had no choice but to pick a lender instead of dispute because I have 10 days to close
Consumer complaint received 2022-02-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Mr Cooper is charging me like XXXX XXXX ( I have to look at my last statement ) because I was in a forbearance do to COVID. Are they allowed to charge me? Now I have additional money to pay on gop of my 50 year mortgage
Consumer complaint received 2019-11-14
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. (GA)

I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, Experian & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.
Consumer complaint received 2018-07-02
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. (MD)

So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my TransunionXXXX  credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.The XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.Transunion/XXXX  is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by XXXX also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps