davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (GA)

The Credit bureaus stated that XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written permission. 

I haven't given this account written permission to furnish this account on my credit report.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

I have disputes this debt numerous times with XXXX credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and before I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have three addresses listed and I've sent numerous notarized letters to all three addresses to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that mess up my perfect credit I have been keeping up with over the years with credit cards and loans with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I have put everything on hold to get this resolves but no action is taking place on this company part to remove this. They need to remove this ASAP. Thank you They also provide two account number, one is XXXX and the other is XXXX, The addresses that I sent to is Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX So yes I'm pretty sure they receive the disputes
Consumer complaint received 2022-09-08
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 (NM)

It was Bank Of America in XXXX XXXX New Mexico. My debt card was stolen when I had XXXX. I was renting a room in New Mexico and someone went in my room apparently I have no idea who it was and 2 days later I went to use my credit debit card and I was gone. I called the bank immediately and I noticed that there were lots of charges in 1 day. The bank has the times and locations where they went, XXXX XXXX 3 times, an eye glass company, XXXX sporting goods, and XXXX there may be more stores the bank has locked me out of my account completely. It came to over {$3000.00} I told them to cancel the card immediately and that someone stold my card and to dispute all of these charges because put this money immediately back into my account and I am home isolated I have XXXX  the hospital tested me I was in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then I had a XXXX XXXX the doctor believe it was caused by the stress of Bank of America not helping me. I called the police they came out and made a report my card was stolen thats XXXX a criminal case. He said the bank should automatically put the money back after my report. I had a 2nd police report as well. I called XXXX police department to see if they can view XXXX tapes at XXXX stores because they had the times and locations the bank has all of this.they told me they only make reportsover {$5000.00} XXXX bank mad me come in that day to cancel the card even though I was so sick with XXXX. I made so many calls to the bank and spoke to the fraud department XXXX I dont have the dates of my phone calls and they refused to put the money back in my account itd them to go to the stores and view the tapes to see who it was because I was home sick with XXXX plus I never charged large amounts and I shop on line do to my XXXX XXXXXXXX Flairup and my XXXX since my XXXX XXXX XXXX XXXX XXXX XXXX at XXXX I only leave the house to go too docts and Hosp XXXX I take me XXXX dog for walks XXXX telling you this to show it wasnt me that made any of these purchases. I noticed my card missing on XX/XX/2021 I dont have my account information because when I call them they say my account is closed. I need help desperately to get this money back, XXXX XXXX XXXX XXXX I stay at home all day XXXX my XXXX Dog and dont interact with anyone. They told me I gave someone my card, I wouldnt even give my daughter my card to use. Thats why I told them to view the tapes at he stores. XXXX they said if I didnt give someone my card then I did the shopping myself. The bank should be sued its a disgrace for the XXXX Department not to do there job. I was my XXXX XXXX that who ever stold my card used most of my money that I needed desperately. Its a crime to steal someone credit card and the XXXX Department didnt do there job and never put this money back into my account
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC (IL)

I RECEIVED AN UNSOLICITED TEXT MESSAGE FROM ALLEGIANT CAPTITAL ON XX/XX/2023 STATING XXXX XXXX THIS IS ALLEGIANT CAPITAL. PLEASE CONTACT US AT XXXX. I KNOW A XXXX XXXX, I FIGURE THEY MUST HAVE BEEN SKIP TRACING. I BELEIVE THAT ALLEGIANT CAPITAL HAS VIOLATED THE TELEPHONE CONSUMER PROTECTION ACT. I DID NOT GIVE THEM PEREMISSION TO TEXT MY CELL PHONE. THEY ARE SENDING MESSAGES WITHOUT MY CONSENT.
Consumer complaint received 2022-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00}
Consumer complaint received 2022-06-07
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. (TN)

I have been the victim of identity theft. In accordance with the fair credit reporting act XXXX  has violated my rights section 602 A. States I have the right to privacy. Section 604 A. 2 it also States a consumer reporting agency can not furnish a account with out my written instructions. Also most of the information is wrong. I am uploading a utility bill with my correct address all others and other accounts are wrong please delete so I will not be the victim of identity theft again.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!! 
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!! 

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


1.XXXX XXXXXXXX 2XXXX XXXXXXXX XXXX 3. XXXX XXXX
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : 1. ) XXXX 2. ) XXXX 3. ) 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
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I purchased an online course called the XXXX XXXX XXXX XXXX for {$390.00} first payment and 2 more additional {$390.00} payments the following months. 

I wasn't able to start the course as soon as I purchased it as they force you to have a phone call first and this call couldn't be booked for several days as they had too many customers. I tried without the call but it didn't work as you could not go through the course no matter what you tried to do, I was blocked to proceed. 

I was finally able to talk to them like days later but was unpleasantly surprised to be told that if I really wanted this course to work properly I needed to hire them. Basically they upsell you AUTOMATION which costs anywhere from {$3000.00} to {$12000.00}. Not at all what this was supposed to be all about. 

In their sale pitch they make it sound as if it is so easy to do on your own with me putting in the due time obviously, which I was all in to do as there is not such a thing as easy money. 

The tone went from I will teach you how to do this to " I am not a pro at this but I will try my best to teach you ''. The information sold here is basically the same I can get from watching any XXXX video on how to create a channel. 

I asked to have a refund on the first payment I made immediately but was denied by XXXX without any valid reason and closed the case without giving me any other chance to dispute it. Their decision was extremely quick as they made it sound as they had given it real thought, not listening to a customer that felt scammed about a purchase. 

I have stopped all recurring payments and not planning on using XXXX XXXX system at all as it is a waste of time and money.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (MO)

I was behind XXXX payments on my car because of personal issues. I travelled overseas to take care of my mother who was on her final days. While I was there, I tried to make a payment online and I was not able to. I called Ally financial and sent them so many emails which I will attach. I called the company so many times and the phone was hanged up. I came back XXXX days ago and my account was charged off like XXXX days before I arrived. When I contacted Ally, I was told by customer service that I was irresponsible and nothing can be done. They were so mean.
Consumer complaint received 2022-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act CapitalOne, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Late payments recorded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2019
Consumer complaint received 2022-06-07
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: CITIBANK, N.A. (MO)

On approximately XX/XX/XXXX I took my vehicle a XXXX XXXX XXXX to XXXX XXXX in XXXX, IL to get an estimate of what it would cost to service my automatic transmission that was leaking transmission fluid and also to stop an oil leak that needed a rear main seal. I was given a quote of $ XXXX complete the repairs and put in the seal. It was agreed with service technician that once the transmission was moved out of the way they would install the rear main engine seal at no charge to stop the oil leak. 
On approximately XX/XX/XXXX I returned to retrieve my vehicle after being contacted to pick up the vehicle it was ready and work had been completed. When I asked to test drive my van I was told that the technician had already driven it and it was fixed. I paid the clerk/receptionist {$1000.00} cash and $ XXXX charged to my XXXX XXXX amount due after my senior discount. The following day I found oil and transmission fluid leaking on my driveway pavement from said vehicle. I contacted XXXX XXXX I was told to watch it for several days. The leak continued! On XX/XX/XXXX I took my vehicle to XXXX XXXX XXXX dealership. They found that the engine rear main seal needed replacing which XXXX XXXX agreed to do in writing. I had to pay XXXX XXXX approximately $ XXXX have this work done.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (GA)

XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire XXXX who lie and teach them how to lie to the general public, Then they incentivize them to do their dirty work. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within XXXX days to XXXX XXXXXXXX XXXX. I am requesting your assistance in dealing with this situation.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX XXXX, Please block and remove this account from my credit report on my credit report which are UNKNOWN to me. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account, so please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-07
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. (FL)

I am writing to dispute the following information that your company supplied to [ XXXX, XXXX, EQUIFAX. I have listed the items I dispute on the This item hard inquires from CONSUMER XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

During the modification process, I requested additional documentation regarding the amount of the loan. The lender increased my loan by {$12000.00} when I modified my loan. I requested an itemized payment schedule and a breakdown of cost. Both requests remain unresolved. I was told if I didn't like the terms pay the loan in full. The loan is more than I paid for the house and wanted additional information to make an inform decision. I had no choice to accept the terms however, the process and the lack of documentation is unfair. Loancare should provide not take advantage of individuals during XXXX. I'm making the payments on time however, the additional cost of should not be included on my new terms.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Every XXXX, I am charged an XXXX fee. This time I have been charged {$60.00} for {$15.00} worth of transactions, and this money was available on the account. The charge was presented to the bank on XX/XX/2022 and returned on XX/XX/2022 and I was charged XXXX XXXX on XX/XX/2022. First, the money was available when present and when the XXXX was charged. I want a refund and a transaction log on my account showing the time, date, and balance in my account.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I was a Victim of a ponzie scheme due to an initial XXXX dollar investment into XXXX XXXX XXXX. XXXX months down the road the SEC deems it a ponzie and shuts it down. That same day chase allowed a one time chase to chase transaction from my account to XXXX XXXX chase account for {$18000.00}. When I caught wind of the situation chase told me that due to the initial XXXX my claim was automatically declined. So XXXX with chase executive then took over and tried a reversal of the transaction which didnt work because due to their automatic denial time had gone by and the bank account was now frozen and under the court appointed lawyers control so they werent going to allow chase to reverse my transaction. Now my issue is how the lawyers deemed my XXXX not under a ponzie scheme because it was theft and there was no contract binding it. However chase should not have allowed this transaction to occur regardless due to the SEC putting the company AND BANKS on notice. My transaction SHOULDNT Have occurred and since its under the control of a receivership chase is trying to deny responsibility which leaves the XXXX in thin air because theres no ponzie contract with it. Please hold chase accountable for allowing a transaction to occur when it should not have been due to SEC freezing the assets. Please have them insur the transaction so I can get my funds back, its been XXXX months in the making of the investigations. Thank you. 

P.S prompt asked me if I was sender. This is to clarify I didnt approve this transaction ever. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. ()

I am very disappointed with BlockChain.com. 

I had opened an account with them years ago, but as I wanted to move to another XXXX, they started to display some disturbing power abuse. 

With various ( tech, non valid ) excuses, they locked my crypto, even even if by now finally most if that has been released. Only after more than a month did they agree they were wrong. 
Despite that conclusion, they are doing it again now. 
They still won't let me close my XXXX and move my remaining assets out. 
Despite my repeated reaching out to them/ to their support team. 

So, in XXXX  : - I can't get my money out to my ( validated! ) XXXX account ( the same account I bought crypto from ), - I can't trade it out either ( to where I went with my crypto after this dreadful experience ), - their support is not answering mails, ( unprofessional ) - crypto that I got from an Airdrop was unilaterally taken rom my account about 2 weeks ago ( theft ) In short : they are -again, for a 2nd time in a row- hijacking my crypto assets and non-cooperative.