davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one has charge back away more charges then what was authorized I have file disputes as including of our police reports of identity theft yet they continue to take the merchant 's word over mine and of charge back over 600 dollars of charges on my credit cards but they can't validate them. I show 2 in screenshots I has some information I show screen shots and they still reversed the the adjustments after I report fraud so they're not backing behind their fraud prevention. They have charged me XXXX for a website I can't access for jobs when I have a job. They can't show signature for delivery of something I allegedly authorized XXXX for. Tracking that says it was delivered and it wasn't. A plane ticket when they see I'm in XXXX XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/21 - Fraudulent transaction made ( ACH Payment Refund ) in the amount of {$2900.00} showed up on my Bank of America bill. 
XX/XX/21 - Fees shown on credit card bill related to the above fraudulent transaction in the amount of {$69.00}. 
XX/XX/21 - Phone Bank of America and speak to 3 representatives including XXXX in TX and XXXX in MI. XXXX says she has filed a complaint as requested and tells me to look for a letter in the mail. 
XX/XX/21 - No letter has arrived so I use online chat to request help. XXXX tells me I have to call fraud services and gives me a number to use. 
XX/XX/21 - Called the number given me by XXXX, told it is the wrong dept by XXXX in CA, transferred to XXXX, XXXX, XXXX, and XXXX. 
I ask to speak to a supervisor and am sent to XXXX who transfers me to XXXX who says she is not a supervisor. I ask again to speak to a supervisor and am transferred to XXXX who says she is not a supervisor. I ask a third time to speak to a supervisor and am told I will have to wait for a call back. Three hours after my initial call, XXXX who says he is a supervisor calls and tells me he can not do anything to help me. 
I do not know what more to do and really need your help. Thank you
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MT)

During XX/XX/XXXX I was on XXXX and wanted to read an article and when I click on the article my computer screen was locked. On my computer screen I was told to call a certain telephone number to get it unlocked. I called the number and the person said you have a virus and we can fix it for you. But it will cost you {$380.00}. They then asked to log into my computer. I was told to make the check out to XXXX XXXX XXXX. which I did. They also gave me a mailing address. Then they wanted to take a picture of the check from my computer screen which they did. They also wanted a picture of my drivers license. They then got my computer up and running. They said they would call back in a week to make share my computer was OK. Then I thought they were going to charge my checking account twice, once for the actual check and then for the check they took a picture of. I called my bank and talked to the people in their fraud section. The bank froze my checking account and opened a new one for me. Neither of the checks were processed by my bank. I then started getting calls from XXXX XXXX XXXX and the calls came from different telephone numbers. I then deleted the external log in that I had given to XXXX XXXX XXXX Also, I reformatted my computer and added XXXX XXXX detection software. I ran the XXXX software and my computer was clean. Later I received a notice saying that if I did not pay the {$380.00} they would turn it over to a collection company. I kept getting calls from unknown numbers but I did not answer them. On XX/XX/XXXX I received a collection letter from " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' They said they were attempting to collect a debt, that now totaled {$410.00}. The Original Creditor was listed as XXXX XXXX and the Current Creditor was XXXX XXXX, XXXX. 

On XXXX XXXX, I received another collection letter this time from Transworld Systems XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  , Pa XXXX, dated XX/XX/XXXX. They said they were attempting to collect a debt totaling {$410.00}. The Creditor was once again listed as XXXX XXXX XXXX XXXX Once again XXXX XXXX is trying to collect money that was a SCAM.
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (MD)

Duvera Billing Services Is reporting a account on my all three of my credit reports which is XXXX, XXXX  and XXXX that dont belong to me. The account is showing a open status of XX/XX/XXXX and have a balance of {$1000.00}. I have reached out to this company XX/XX/XXXX and did not get any help to resolve the issue.
Consumer complaint received 2023-07-05
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. (NC)

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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # 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 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (AP)

I get calls all throughout the night and early morning my time ( XXXX ) for a card I have with PayPal credit. They wake me and my family up regularly. I try to answer to tell them I am XXXX  XXXX  but the calls disconnect as soon as I answer. When I call back I can not get through the automated phone system to a live person. Also, the payment they are calling about I have a scheduled payment to be done on my next payday. I've attached a screenshot with all of their most recent calls to my phone with a time stamp.
Consumer complaint received 2018-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

I send letter to dispute latter to XXXX XXXX XXXX, XXXX about the debit that they try to collect and i ask them to provide supporting documents about their claim include credit application for this debt ( {$1900.00} from -- XXXX XXXX  ) that signed by me. they did not provide any supporting document that shows i applied for those credit cards. Those account opened and used by fraudulent activity. ALSO, this debit collector duplicate reporting in my credit account. they did not do any proper investigation about debit and instead they just damaging my credit with false claim. 

Date Reported XX/XX/2018 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 6 Months Credit Limit Not Reported Highest Balance {$1900.00}
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/2019 XXXX payment made. Missing from account. Bank has not refunded {$2000.00} that was meant for loan care. The executive resolution department XXXX and XXXX were very disrespectful and deceiving as the information given. XXXX stated money is no where that they can trace but, back office still needs to credit. I apparently need to watch my mouth when it comes to money because, money laundering is only an accusation. They dont know where the money is so ... how can that not be a true statement? An illegal activity money was taken and never returned by USAA with use of deceitful associates and accounting to continue to not know what happened and XXXX has it but, XXXX wouldnt charge an NSF on my USAA account thats how I know USAA has my money and using every tactic possible to steal my money.
Consumer complaint received 2018-02-25
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: EQUIFAX, INC. (GA)

XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. This inquiry is also over 24 months old, which is a violation of the FCRA to continue to post to my credit report. Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (FL)

XXXX XXXX is always reporting that I owe them in which I dont even have an account from them. I havent used any XXXX in my apartment and my previous apartment. This is a scam. Someone is using my identity.
Consumer complaint received 2019-01-07
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)

According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX   XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX  XXXX/XXXX   Account # XXXX CONTACT INFORMATION XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (CA)

I have disputed XXXX XXXX Medical Center so many times and I'm still not getting this matter resolved what the collection company called automated accounts. Back in XX/XX/2014 someone used my information and created {$2200.00} medical bill that I'm not aware of this charge which I did not authorize for this charge which I did not go to emergency in XXXX California because I was residing in XXXX XXXX California and basically trying to resolve the dispute fraudulent dispute with this company and I'm not getting no results removing this collection from my credit report someone use my information and cause a medical bill of {$2200.00} and I need this to be removed from my credit bureau which I have disputed fraudulent charge so many times and Im not getting no resul.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DE)

ive been using cash app for years now, but suddenly I open the app and it says I violated the terms of use. so I opened the app to see what happened and the steps moving forward. so i closed that account and made a new one. from there they said they couldnt tell me and I needed to call the XXXX number and they will be able to help from there, but in the mean time someone will reach out to me by email. its been almost a year now and I have yet to receive and email or have someone reach out to me. Ive called numerous times and have send messages in the chat numerous times to the support team in the the app. well today I called up there again and they said the same thing the people in the app will be able to tell you more, in which they reply the same about the people over the phone. when I called up there today, they gave me the same run around they have been giving me for about a year now, then hung up. I called again and asked for a supervisor, and they tried to do the same thing, and ended up telling me there is no supervisor but someone will send me an email. I asked for a time frame they said they were not sure, but one will get sent. then hung up. after being up on for the third time I called and asked for a supervisor to file a complaint about everyone hanging up on me and nothing getting done for almost a year now. the lady answered and said that she will not transfer me and theres nothing they can do for me and if I have any more questions contact the support apart and hung up. I just want to be able to use my account again and know why it was closed in the first place, but they are not good at helping or doing their jobs ( being a support person ). ive read the terms and conditions, to see where the violation may occurred, but I didnt not break any of their rules. Its been almost a year now, I have yet to get any information regarding my account, nor has anyone reached out to me to give me an update. everytime I call they say they cant tell me anything further and hang up. when I write in the chat support, they say they cant do anything and I have to go call the call support. its a never ending cycle or nonsense. if you can help, that would be most helpful. 
thank you.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX  XXXX involved me making deposits for a total amount of XXXX XXXX from my CashApp account to fraudulent investment firm ( s )
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services (GA)

XXXX I submitted and trusted XXXX protection plan by good faith to assist in repairing my credit or Positive Credit Builder as they may call it. My personal information was exploited and am effected in a negative way by resulting in more inaccurate non verified information for the accuracy on my name and report. This company was paid and I recieved nothing as guaranteed. The company submitted Inaccurate information with my name and social security. I have never recieved any credit updates, only more negative items on my credit. As a result have suffered financial hardship, theft, and fear of the privacy and good will for what represents me which is now falsely added making me look horrible as a human being. XXXX I filled identity theft and was not protected nor notified by any agency or reporting agency.
Consumer complaint received 2018-02-25
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: FACTUAL DATA CORP. (GA)

The inquiry made by Factual Data on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2023-08-11
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: WELLS FARGO & COMPANY (NJ)

Ive reached out to Wells Fargo dealer services ( Account # XXXX on many occasions, and to know avail nothing was done, This Wells Fargo account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 XXXX in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, Wells Fargo dealer services the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.