davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

My husband and I own a joint savings, and 2 joint checking accounts with bank of america. I am the primary on one of the checking and he on the other. On XX/XX/2019 I got a notification that our savings was below {$25.00} so I quickly logged into our account to see very unusual activity. The activity consisted of {$1900.00} transfer from our joint savings to the checking account where he is the primary account holder. I immediately called in to Bank of America to report this. The {$1900.00} that was transferred into the checking was then moved out of our account via XXXX transfers of {$100.00} each, ( 19 transactions in total I believe it was ). Whomever was in our account then went back into the savings and completed 2 or 3 more {$100.00} XXXX transfers. All of these transfers went to names that both my husband and I do not know nor did we authorize them. Bank of America put an immediate hold on our accounts at this time and told us to visit a banking center the following morning as it was close to their closing time. 

Saturday, XX/XX/2019, my husband and I visited the bank of america banking center in XXXX, NH at XXXX. We met with an employee there and he worked on our accounts for the next 2 hours. We closed all 3 of our accounts and were issued 3 new accounts ( 1 savings and 2 checkings ). We were told that our fraud investigation would conclude on Thursday, XX/XX/2019. They agreed that these transactions looked very fraudulent as we could not even begin to pronounce the names listed and we have never once used XXXX before. 

I called the Bank of America fraud department for check ups numerous times to ask if there is anything we can do as our mortgage is now going to be late ( was due XX/XX/XXXX ) and other bills are now started to be late as well. They assured me the investigation would be completed by XX/XX/XXXX. Sure enough it is the end of the business day on XX/XX/2019 and we still are missing a ton of money. I am on unpaid maternity leave in 2 weeks and need to this figured out immediately. We are now going to ( according to bank of america ) be stuck with late fees for the payments we can not make since our money is missing for over 2 weeks.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-11-28
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: EQUIFAX, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$6700.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NJ)

I received an anonymous call at XXXX XXXX on XX/XX/XXXX which I ignored. The perpetrator ( who said his name is XXXX XXXX or XXXX? ... ) left me a voicemail claiming that he wanted to send a notice out to me and he wanted to advise me that it had to be signed for upon delivery. He left a number to call back XXXX and told me to use reference number XXXX, when I called he claimed that I was going to have my paychecks garnished by TD Bank. I do n't owe TD bank any money and my account was closed for inactivity back in XX/XX/XXXX/XX/XX/XXXX. I do n't know what is going on but this must be some kind of scam. Attached is a copy of the voicemail audio. Thank you for your time and anticipated assistance. <P/>Note : This is the third time I 've been contacted by someone about this bogus TD Bank debt over the last three years. <P/>Regards, XXXX XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Under the New Law effective XXXX XXXX, 2017, any public record data must include name and address as well as SSN or D.O.B in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Good afternoon, Since fifth third Bank bought my mortgage and my life been rough. Beginning of this year they had a problem with me saying that I missed 3 payments. While actually all the 3 payments were out of my account. I struggled so hard to reach out to someone from their office to understand and help me because my credit score dropped and they were taking me for foreclosure. I had to get and pay for a lawyer for them to understand the struggle and help me out. However, that problem with fixed after the lawyer with involved and I was back on my monthly payments. All my payments are auto pay which means they are eligible to deduct it from my account and they do. I have family to take care oversees I went this past summer came back and again I get mail from them saying that I missed a payments and I'm charged late fees and I have three late payments which made my credit score dropped so bad. I don't understand how if I have my auto payment on and you guys charge me monthly and I have late payments! I have my all my payments record. I don't want to go pay for a lawyer again to get this fixed! This company is stressing me out!
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have attached a copy of my ID to prove my identity so my case will not be close automatically. I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. I provided a copy of the class-action lawsuit to XXXX, XXXX  and Transunion they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you once again regarding the persistent presence of charged off accounts on my credit report. Despite my repeated attempts to rectify this matter, it appears that no action has been taken by your company to address this issue. Frankly, I am beyond frustrated and deeply annoyed by your lack of response and inaction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I was charged for a " credit protection fee '' which took me over my limit by {$10.00}, and I added additional funds to my account the same day to cover this issue. Aspire reported that overage to credit bureaus about 2 days later. Since I have never been late or gone over in the past, and this occurred due to a fee ( should I not have been " protected ''? ) I was hoping to write them a goodwill letter, requesting that they review my account and possibly forgive this minor error. When I contacted the company they refused to give me an address stating that " under fair credit reporting act we report to credit every 30 days '' which had nothing to do with what I was asking. I realize that they aren't under any obligation to offer the forgiveness, but I've never heard of not allowing someone to even ask for it. As far as the charge that overdrew me -- I do not believe I even signed up for credit protection, but no one will assist me with this issue. As a single parent to a child with special needs, I believe Aspire is preying on people like myself who are not in the best financial situation, but hoping to improve it. I also believe the term " credit protection '' is intentionally misleading/a misnomer. My credit was not protected by this " service '' it was actually quite the opposite. I have not missed a payment, been late, or gone over my limit on any card I have in the 2 years that I've been building my credit, now I am at my lowest score in that time period.
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$6700.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

I opened a savings account for my XXXX year old with TD Bank in XXXX in XXXX. Ever since the account has been opened, I have not received a single communication from TD. I called in XX/XX/XXXX to inquire about the account and they told me it was inactive and that in order to activate it, I have to process a transaction. I went in and made a deposit. I asked for a statement and they were not able to give me one. They instructed me to sign up for online banking. I tried signing up for online access but their site would not accept my credentials. I tried few times after to no avail. I called them in XX/XX/XXXX and requested either an ATM card or a bank statement so I can have some sort of record. The rep informed me after verifying my identity for 15 minutes that she can't release any information since the account is now inactive. I asked to speak to a supervisor and she would not put me through to one. I finally asked her to mail or email an inactivity notice and she also refused saying that she could not do that for an inactive account. After arguing with her for some time, she finally agreed to send the notice. She verified my information again and said that I should receive the notice in 10 days. It's been a month and I have not received anything, and I have no access to my funds.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}
Consumer complaint received 2021-04-01
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: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

First Investors Financial service is reporting unauthorized credit inquiries to my credit file as follows. 
First Invst SVC/First  on XX/XX/XXXX to XXXX  First Invst SVC/First on XX/XX/XXXX to XXXX
Consumer complaint received 2021-04-01
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. (NY)

I have reach out to each of these companies to remove the inquiry, they advised me to reach out to credit bureaus. I have sent several letters and the inquires has not been removed yet.
Consumer complaint received 2020-11-28
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: TD BANK US HOLDING COMPANY (VA)

I noticed a transaction on my XXXX account that I never authorized nor stayed at the hotel as indicated in the reservation. I contacted my bank ( TD Bank ) who has started an investigation of this transaction. I contacted the XXXX Fraud Department. My phone call was never returned. Please reference XXXX confirmation number XXXX Also reference XXXX itinerary number XXXX. 

I also contacted the hotel in question. The manager at this hotel was not helpful.
Consumer complaint received 2017-09-14
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. (OK)

On XXXX XXXX, 2017, Equifax went public with news that they failed to prevent a breach of their security and millions of American 's sensitive identifying data was taken by cyber-criminals. Unfortunately, despite having never personally done business with Equifax, their website says that I was affected. Equifax has profited for years on the buying and selling of my personal identifying information. Because of their inability to keep my personal information safe, I will forever have to deal with the consequences of their actions, not my own, and their actions may make it harder for me to buy a home, a car or for my future kids to afford college. This is devastating and none of it was my fault.
Consumer complaint received 2020-08-20
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. (FL)

Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NC)

Since joining Serve American Express I have dealt with a lot of fraudulent charges on my debit card. I have file disputes for all the unauthorized charges but the claims were denied. One of the problems is they dont have a chip on their card and they dont require a pin when making a purchase. Someone had to have my card information. I have let other use but I dont know who could have make then purchases. I have multiple banks and I was using this card for a saving outlet. I was using the account for direct deposits. 
XX/XX/XXXX XXXX XXXX {$25.00} ( not authorized ) XX/XX/XXXX XXXX XXXX  XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 These charges are not authorized. XXXX XXXX was not authorized and it seems to be linked to XXXX. I have talked to the merchants and they explained things to me. These charges are all over the place. I have never been to XXXX. There also a hotel booked in XXXX. I have never been there! 


XX/XX/XXXX XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX These were authorized authorized charges. I purchased a trip but due to Covid I could not travel. They charged me an extra {$190.00} make another reservation. The final price was suppose to be {$990.00}. I asked serve for a refund because the company over make me pay extra charges. 

XXXX XXXX {$240.00} XXXX XXXX {$650.00} Think I lost my card at food lion on XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I used my card at the ATM to pay someone. I got change for the cashier and I think I left my card at the atm or register. I didnt realize the card was missing until I tried making a purchase someone else. Once I couldnt find it i checked my balance and seen the unauthorized charges. Immediately I froze the card. 


XX/XX/XXXX XXXX XXXX {$110.00} This charge is with Purchased a bike on XXXX and never received My item.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

N accordance with the Fair Credit Reporting Act CREDIT COLLECTION SERV Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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