davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
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: DISCOVER BANK (AL)

ON XX/XX/XXXX I CALLED DISCOVER, BECAUSE I FOUND A CHARGE MANY YEARS AGO THAT I DID NOT DO, AND WAS INFORMED BY A GOOD FRIEND THAT I COULD REPORT IT AS FRAUD WHICH I WAS NOT AWARE OF, BUT I CALLED THEM AND LET THEM KNOW THAT I DID NOT DO A CHARGE ONXX/XX/XXXX BY   XXXX FOR {$9300.00}. THEY TOOK MY FRAUD COMPLAINT. THEN ON THE XXXX I GOT AN EMAIL STATING THAT I WOULD BE GETTING THE CREDIT. THEN ON MY XXXX STATEMENT I GOT THE CREDIT. THEN A FEW WEEKS LATER AFTER REQUESTING A CHECK FOR THE MONEY WHICH THEY SAID ID GET IN 7-10 DAYS WELL ON THE 10TH DAY THEY CLAIMED THAT I WOULD NOT BE GETTING THE CREDIT. WHEN I CALLED THE WOMAN WAS VERY NASTY SAYING THAT I MADE PAYMENTS WHICH I DID BUT ONLY SO I WOULDNT HAVE A BAD CREDIT SCORE! THEY SAID THEY WOULD PUT IT BACK THRU, AND THEN NEVER HEARD FROM THEM AGAIN! THEN TODAY I CALLED AND SPOKE TO XXXX WHO ONCE AGAIN WAS RUDE SAYING THAT I MADE PAYMENTS AND HOW IN THIS DAY AND AGE WOULD I NOT KNOW I COULD FILE FRAUD. I EXPLAINED THAT I AM AN ELDERLY MAN WHO DOESNT REALLY UNDERSTAND HOW IT ALL WORKS SHE THEN SAID SHE WOULD PUT IT BACK THRU I JUST WANT MY MONEY
Consumer complaint received 2021-06-29
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. (CA)

I am a victim of identity theft. I have lots of information in my credit information that are inaccurate, Unknown and Unauthorized. It is affecting my job and livelihood, please help me dealing with the Bureaus to get those off my credit report
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I XXXX XXXX was told to send current success BMI direct deposits to the Bank of America and they refused to give me an account of my earnings over the phone. 
This is new money they just told me transfer and stole anyway. My Goodness I want that United States XXXX XXXX to take off the XXXX and re-deliver my XXXX settlement to XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX ( Talk Directly, please leave no message )
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (IL)

Had 2 accounts with US Bank. Both earned XXXX rewards. Prior to closing 1 account, checked rewards balance. The XXXX rewards were shared between both accounts. Both accounts showed the exact same amount - XXXX. So that all rewards would be intact if closed 1 account.
XX/XX/XXXX Closed 1 account. No mention was made about existing rewards becoming null and void.
XX/XX/XXXX - tried to redeem rewards in XXXX  account. Now rewards are split between closed account and open account. Closed XXXX Gold account shows balance of XXXX points. Not able to redeem or transfer.
They separated out rewards earned from closed card instead of leaving them in a combined account. Called US Bank to ask if these points could be transferred to my existing - still open account. Was told no and that I was advised they would be XXXX out on closing card.
Had conversation on closing card ( XX/XX/XXXX ) on speaker phone with wife listening in. No mention was made of the XXXX points being nulled. I certainly would have transferred them or redeemed them first. As this is worth {$320.00}.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My Bank ( XXXX ) has sent multiple recall requests and Bank of America still hasn't respond the recall. XXXX XXXX XXXX of Bank of America did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank XXXX requested numerous of times to Bank of America along with the police report the circumstance and and Bank of America refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. 

I met XXXX XXXX XXXX late XXXX at XXXX XXXX XXXX XXXX in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.
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. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/XXXX I sent Certified Mail a dispute to Portfolio Recovery and to request validation under FDCPA. I asked for additional items to be provided. On XX/XX/XXXX I received a response stating this account was sold to them and they included their electron file stating a balance of {$1000.00}. They failed to provide enough information to validate the debt. on XX/XX/XXXX I sent them a certified letter stating they have failed to validate debt. They have not provided any of the information I requested nor did they provide a signed contract showing my liability. They have not provided proof that they are authorized by the original creditor to collect on this alleged debt. On XX/XX/XXXX they Responded with additional attachments to support their validation. The attachments were copies of the credit card bill which does not validate this debt. The billing statements they included are dated for XX/XX/XXXX & XX/XX/XXXX yet they are reporting that XX/XX/XXXX these items were placed for collection. They are reporting to all three credit reporting agencies.
Consumer complaint received 2019-06-06
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX   XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RELIABLE FINANCIAL SERVICES, INC. (NC)

ACCOUNT IS STILL OPEN, I STILL HAVE THE CAR BUT IT SHOWS AS CLOSE. ACCOUNT WAS BROUGHT UP TO DATE AND MONTHLY PAYMENTS HAVE BEEN MADE ON XX/XX/2018 & XX/XX/2018 BUT ACCOUNT SHOWS AS CLOSE IN THE CREDIT AND NO PAYMENTS MADE. I HAVE CONTACT THEM AND MY CALLS HAVE BEEN IGNORE. WHEN THE ACCOUNT WAS BEHINF THE OFFER INFORMATION OF THE ACCOUNT TO A THRID PERSON WITHOUT BEING AUTHORIZE.
Consumer complaint received 2023-01-08
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. (MI)

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 XXXX XXXX  XXXX XXXX XXXX federal 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 XXXX 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. 
XXXX
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.
Consumer complaint received 2020-10-13
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. (NY)

The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

Tuesday, XX/XX/XXXX @ XXXX ; i received an email stating, " Thank you for your recent inquiry regarding your Discover it Account. As requested, your Discover it card Account is now closed. '' the problem is, I never called discover to close my account. i called discover several times to let them know, it wasn't me. I did not call you guys to close my account., how could someone just close my account without my knowledge. 

discover stated the call was made, Saturday XX/XX/XXXX @ XXXX... i advised them i was in an appt., i never called. 

they stated, they would do an investigation... i called back today XX/XX/16 ** they said theres nothing they can do .. i can reapply. they will not reopen my account. 

this is unacceptable., i am the victim here.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

12 accounts are showing paid, closed. This is inaccurate. I believe this is double reporting as I have an active consolidated account with a balance totaling {$21000.00} the same amount the 12 accounts inaccurately is being reported.
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (GA)

This debt collection agency is engaging in abusive, deceptive, and unfair practices of the FDCPA which is strictly prohibited. This account was furnished to the credit reporting agencies against me though I have no signed contract nor did I verbally agree upon doing any business with this company. More so, though I requested the full 5 step procedure to validate this debt, they didnt validate anything. I did not enter into any verbal nor written contact nor agreement with this company and so this company is engaging in unfair practices.
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.
Consumer complaint received 2018-09-26
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. (IL)

After sending information to verify myself with my disputes XX/XX/2018, XXXX, Experian, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX, & Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I am a XXXX student, have two accounts with Synchrony bank and both accounts have similar issues of illegal service fee and overcharging. 

I paid off my Chevron card account having {$500.00} limit, had a {$0.00} balance. In late XX/XX/2020, I received an email asking me to pay {$62.00}. I contacted the bank on XX/XX/2020 and asked where this amount came from, the representative said it was a fee from card security. I said that I never asked for card security added to my account and how could you charge a huge amount on a {$0.00} balance? The rep was not able to satisfy, so, I requested him to close the account and said I will report to Texas Attorney General 's office. 
I thought my account was closed at my request but I was wrong. 
A few days ago, I received a notice from my credit card company that my credit card limit was reduced by almost 75 % and my credit score dropped by 92 point on XX/XX/2020. 
Synchrony intentionally punished me for my request to close the account by messing up my credit score and I am not able to finance a vehicle due to a 92 points drop in my credit score. 
It's a serious matter which needs to be investigated, my credit report needs to be fixed immediately or I will file a case against Synchrony bank.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This debt was placed in collections and I was never contacted. Secondly this debt was charged off by the original debtor more than 180 days ago which it is illegal to sell after it has been charged off more than 180 days ago it has been placed on my credit without me having a chance to resolve it also caused my score to drop significantly in the last 60 days I tried to contact the.debt collections company and advised this was not my debt. I asked the supervisor how did they obtain the account in the first place at which time he explained that his company had purchased it from another third party not the original debtor I then advised him of the law that it is illegal to sell off debt accounts that are more than 180 days charged off he then informed me that he has been doing this for the past 11 yrs and this was the first time that he has heard this. I think that MBA LAW SHOULD BE INVESTIGATED if they don't know the laws they should not be doing this type of work they also should not be placing things.on people 's credit report and causing problems for things that they have no knowledge of
Consumer complaint received 2020-10-13
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. (MI)

Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ) and was sent a response that they would not investigate my claims because they believe my claims were false and my ftc report was not official ftc report which is false. Transunion has denied me my rights as a consumer and  according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING THE RESPONSE LETTER FROM TRANSUNION SAYING THEY WONT INVESTIGATE OR BLOCK THE FRAUDULENT INFORMATION, ALONG WITH THE RECEIPTS FROM THE U.S. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY TRANSUNION, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY  CARD SO THAT TRANSUNIO CAN SUCCESSFULLY IDENTIFY ME.
Consumer complaint received 2023-01-08
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 (VA)

CAPITAL ONE CREDIT CARDS, CABELLAS HAS TRIED UNSUCCESSFULLY, AND ILLEGALLY, BY MANY VIEWS, TO COLLECT, IN FULL, AN OWED BALANCE, THAT THIS CONSUMER, HAS PROVEN FRAUDULENT, USING US PUBLIC LEGAL SERVICES, US POLICE AGENCY REPORTING, AS WELL AS LEGAL DISPUTE PROCEDURES, AND INSTRUCTIONS, FOR RESTORING GOOD CREDIT, BY THE 3 THREE, NATIONAL CREDIT BUREAUS. THE LAST ATTEMPT TO COLLECT, AFTER, THE REPORTING BUREAUS, BY LAW REMOVED FROM THIS CONSUMERS CREDIT REPORT, THE ILLEGAL DEBT, CAME FROM CAPITAL ONE 'S RETAINED COLLECTION AGENCY, XXXX XXXX XXXXXXXX XX/XX/2022. THIS CONSUMER INFORMED THIS COLLECTION AGENT XXXXXXXX XXXX XXXX  VIA RECORDED LINE, AND WAS INTENTIONALLY, DECEIVED, VIA PHONE LINE, BY A LIVE AGENT MISPRONOUNCING THE LEGAL " CEASE AND DESIST ORDER '' THE AGENT SAYING A " SEEDEE ORDER '' AND WAS TRANSFERRED TO A COLLECTIONS AGENT. I ADVISED THE AGENT THAT THIS COLLECTION ATTEMPT VIOLATED STATE AND FEDERAL LAW, AND THE FCA FAIR CREDIT REPORTING ACT AND ENDED THE CONVERSATION CORDIALLY AND ASSERTIVELY, THE AGENT RESPONDED DEFENSIVELY, THAT SHE HERSELF DID NOT VIOLATE THESE LAWS, THINKING INCORRECTLY, THAT SHE HERSELF WAS LIABLE AND CULPULABLE FOR THIS CRIME. MIDLAND CREDIT RESPONDED IN WRITING THAT THEY ARE CONSIDERING, AND THREATENING A CIVIL ACTION, AGAINST THIS CONSUMER, THE WRITER OF THIS REPORT. I RECEIVED A WRITTEN NOTICE OF INTENT TO SEEK CIVIL ACTION ACCOUNT NUMBER XXXX XX/XX/2022, SINGNED " XXXX XXXX '' DIVISION MANAGER OF XXXX XXXX XXXX, REPRESENTING CAPITAL ONE XXXX XXXX FROM XXXX XXXX XXXX  ADDRESS, US XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX. PLEASE ASSIST. THANK YOU FOR YOUR SERVICE TO THE UNITED STATES.