davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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: AmeriCollect (NJ)

I XXXX XXXX sent in a notarized debt validation letter via usps with ceritfied mail with signature receipt # XXXX XXXX XXXX XXXX. Which was signed by a XXXX XXXX on XX/XX/2021. I sent in a debt validation 15 US Code 1692 ( g ) ( 4 ) ( 5 ) ( b ) request a signed and contract between Americollect XXXX XXXX, XXXX XXXX XXXX WI XXXX. AMERICOLLECT was asked by the consumer to remove damaging information from my credit file upon receipt of my letter. Since sending in my debt validation letter to AMERICOLLECT they have sold the debt to a different debt collection company however still furnish misleading and demanding information to my credit files.As per 15 US Code 1692 ( a ) ( b ) ( f ) abusive deceptive and unfair debt practices by a debt collector. 15 US Code 1692 ( f ) ( 1 ) unfair practices. I am seeking remedy for these damages as per 15 US Code 1692 ( k ) Civil liabilities ( 2 ) ( A ). Not responding in a time fashion to my communication attempts to remedy this issue. OTHER VIOLATIONS WARNING 15 US Code 1611. I contacted XXXX to have the information updated and or removed to no avail.Waiting on this company to comply with the comsumer and remove or update files and to stop furnish this damaging information.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (GA)

I am a natural person. I am a human being. I have rights under 15 USC 1681. Equifax is it given by 15 USC 1681 and they violated my rights numerous of times. I demand accounts below to be removed because according to 15 USC 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I called Bank of America about an XXXX  refund fraud the day it posted to my account on XX/XX/XXXX. There was a {$1500.00} charge on my account labeled XXXX  Refund- which originally was initiated on XX/XX/XXXX. I originally thought there had been some error in making a payment and would see this reflected as a credit to my checking account, yet I couldn't find it. 

Upon calling Bank of America the day the fraudulent transaction posted, XX/XX/XXXX, representatives were initially confused. The second lady I spoke with stated that this isn't fraud and that she would transfer me to someone who knew how to explain it, even after I told her the {$1500.00} was missing from my checking despite showing as a balance on my credit card. I was transferred to Card Services who stated right away that this was fraud and that they had notes saying there was a suspicious caller previously who had requested the payout and even gave me the bank account number the money was sent to. I was befuddled as to how someone random could call into my account and request payment outside of my account. I'm not sure if they spoofed my cell phone number, had parts of my identity, or if Bank of America was just inept in this department. After 2 months of this case dragging on, pure ineptitude seems to be my leading theory. 

This was no genius mastermind attack. They simply called Bank of America, asked for a refund to a completely different unassociated account, and Bank of America sent it. In the interim, my credit card doesn't automatically let me report/dispute this transaction due to the nature of the transaction. This means the system automatically charges interest on a fraudulent charge as well. Luckily, I have the capital to pay off this fraudulent charge ; however the extreme irony of Bank of America effectively lending {$1500.00} from me interest free isn't lost. I should expect this returned to me at 14.99 % compounding interest if I'm following the same rules they give me. 

I was given a case number of XXXX. XXXX weeks passed in XXXX and then entire month of XXXX with not a single update. The online system doesn't even register the complaint the way it usually would. There's nothing to even show I am claiming fraud on their website like a normal dispute would. I called Saturday XX/XX/XXXX and after holding and transferring agents that day couldn't even confirm there was an active case since the active fraud cases department only works during the weekdays. Finally, today XX/XX/XXXX, the XXXX person I was transferred to was finally able to confirm that the case was under review. I was told that the initial two billing cycle deadline, the latest I was originally told this could take, hadn't passed yet and to wait for that. I am filing this report in anticipation of that deadline passing.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be deleted ASAP. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a phone call from Bank of America about a potentially fraudulent account that was opened with my Social Security Number. I informed them that I did not open any accounts and they confirmed that it was fraud. There was no money in the account, and Bank of America closed the account due to fraud.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I rented a XXXX rental car in the XXXX area in late XX/XX/XXXX. There was windshield damage due to a small rock. I notified XXXX upon arrival when I turned in the rental car. I submitted an insurance claim with USAA in early XXXX due to XXXX sending me an invoice of over {$620.00} for the windshield repair, which appeared to me as an elevated cost. I provided documentation including invoice, rental agreement, and pictures to USAA for windshield damage that XXXX provided me. I checked in with the USAA claims adjuster intermittently. In XX/XX/XXXX, I contacted XXXX and asked if the matter was resolved. He told me that there was nothing further and the matter was handled. A debt collection agency contacted me on approximately XX/XX/XXXX, and stated XXXX sold the {$620.00} debt to them. I called USAA that same day and the insurance representative stated the claims adjuster documented in late XX/XX/XXXX that he had not received an invoice from XXXX, which was preventing him from releasing the payment to XXXX. He did not share this information via text, email, portal, nor telephone to me. Of note, the invoice was supplied to him by me when I initiated the claim. The claims adjuster called me on XX/XX/XXXX and stated he was waiting for a copy of the repair invoice. Apparently, USAA is really patient and likes to wait XXXX  months for documentation to close out a claim and not communicate the status at all to the consumer during that XXXX timespan. I called USAA on XXXX XXXX to speak with a supervisor since this is now a much more serious matter since it now effects my credit report and score. Now the claims supervisor and stating that they will not be paying the bill and the burden of resolving the debt and impact to my credit report/score now falls on my shoulders, not theirs. I've been a customer of USAA since I joined the military. I've paid my monthly premiums on time and have an excellent driving history. So, USAA was going to pay XXXX upon receipt of an invoice they already had in their possession for the past XXXX  months, but the moment I bring forward a complaint, the bill and damage to my credit report/score is my responsibility not theirs even though they created this situation. Conveniently, the portal in which communication took place for the claim seems to support my recollection. The USAA claims adjuster communicated no concerns nor were any annotated by the adjuster to me. There was no additional communication from the adjuster since XX/XX/XXXX.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (GA)

I had a XXXX with XXXX XXXX. The XXXX caused me to not be able to work. When I returned back to work I attempted to start paying back my medical bills. This company has been taking my {$10.00} a month payments for the last 2 months and then because I refused to answer there multiple calls all day they sent me to collections. I repeatedly asked them to stop calling and I was mailing what I could pay to get the balance down. I contaacted the collection agency and 'She '' XXXX or XXXX told me it doe snto matter how much you are paying you can go into collections at anytime. Then if that is the case why did the send me mail telling me I had options to dispute this. Please review this matter, I hdo not have a pribelm with my responsibility I have a problem with their aggressive calls, and misinformed information they use to try and get people to pay. The orignal creditor is XXXX XXXX and she said she works on behalf of them and directly with them which was a lie again. I told her I would be filing a complaint, My original balance was {$200.00}. I recieved this paperwork from the collection agency around XXXX or XX/XX/XXXX. I made the first {$10.00} payment XX/XX/XXXX via check online and the second payment via credit online XX/XX/XXXX. After askingthem to stop calling me they placed thsi accoutnon my credit report yesterday XXXX, XXXX. XXXX.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$830.00} / XX/XX/2021 XXXX XXXX/ {$550.00} / XX/XX/2021
Consumer complaint received 2022-04-04
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. (LA)

On XX/XX/XXXX I reviewed my credit file after Experian sent an alert stating a new collection was added to my credit report. I then tried to dispute the collection due to the fact that EXPERIAN allowed the fraudulent report to be added back on my credit file after disputing the report in XXXX for Identify theft / FRAUD. In XXXX the account was deleted after submitting a police report a FTC report and more. My identity was stolen, my cards information was stolen, and more. I've taken several steps to have and kept fraud off my credit report while the credit companies are allowing it to be placed back on. Then when trying to dispute Experian system always seem to be down by phone, by computer. 

PLEASE SEE ATTACHED DISPUTE LETTERS AND REMOVE THE FRAUDLENT ACCOUNT. This was a result of Identity theft and my identification was stolen and has been used previously in the past I am paying too much money for credit monitoring in order to keep off fraud as there is. Along with tons of money due to the fact of signing affidavits and more to dispute the fraud with these companies as well.
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XXXX/XXXX/2020
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day XXXX and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (FL)

Diversified Consultant # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with DIVERSIFIED CONSULTANTS OR their client ( XXXX XXXX I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

My name is XXXX XXXX XXXX XXXX XXXX XXXX and someone is trying to open a loan without my permission by this company. SYNCHRONY FINANCIAL XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have 2 complaints against Experian. 

# 1 I have been unable to remove a credit freeze on my credit. I had to freeze my credit as Experian would allow fraudulent use of my credit & wouldn't remove fraudulent items from my report. Experian is being completely unreasonable & now will not allow me to remove a credit freeze. Due to this, I am not able to use my credit to turn on my water utilities or apply for credit. Experian has violated my basic human rights by withholding my credit. 

# 2 They will not remove a fraudulent collections account from my credit. I have opened numerous disputes.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I applied a Citi Flex Plan in the amount of {$300.00} on XX/XX/2020. Citi card bank should deduct this amount in three months, {$100.00} per month. But Citi bank deducted the whole amount of {$300.00} instead of {$100.00} on XXXX. Then Citi bank still charge {$200.00} for two third of Flex amount XXXX on my new statement. This XXXX is a duplicate charge. 

I called Citi bank about this mistake, they agreed to refund this {$200.00}. however, after they refunded {$200.00} to my checking account on XXXX, they charged this {$200.00} back to my credit card account again on XXXX. 

I called Citi bank several times, walked into their local office, and wrote two letters to Citi office about this mistake and submitted all support documents and statements. I request Citi bank to fix this mistake and refund my {$200.00}. But Citi bank simple replied that my account balance was accurate without any explanation.
Consumer complaint received 2020-09-16
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. ()

As part of my separation agreement/settlement in XX/XX/2017, my ex wife became the owner and responsible of a XXXX XXXX debt, finance, insurance etc. and was supposed to go to XXXX  XXXX XXXX in XXXX, NC and change the vehicle loan under my name to her name or pay the difference on the auto loan. 

I came to find out this year that she purposely did not refinance the loan to her name and fail to pay numerous times since 2017 as a way to affect my credit that back then was XXXX points, the highest the XXXX XXXX dealership salesman has ever seen. 
as of today is in the XXXX 's! on Experian. I am abolished by this. 

This is not the only time she has taken advantage of my name and Veteran status as she forged my signature endorsing herself my VA XXXX checks after the separation. 

PLEASE HELP!
Consumer complaint received 2019-10-09
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. (MI)

XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.
Consumer complaint received 2022-08-17
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, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section XXXX XXXX XXXX XXXX  ( a ) ( XXXX ) 15 U.S.C. 1681s -2 ( A ) ( XXXX ) they have violated several of my right with no regard of congress making these laws
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XX/XX/2018