davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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
Consumer complaint received 2023-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had my identity stolen and someone opened six fraudulent capital one accounts with my information. I have already submitted a police report and CFPB complaint about Capital One and five out of the six accounts have been removed from my credit score. One credit card account is still being linked to my information as capital one is still saying it belongs to me, and they are reporting a past due charged off account to my credit to XXXX alone. I have tried for months to remedy and Capital One has been extremely unhelpful and their fraud examiners do not call me back or update me on the dispute as they just close it. They have been awful to work with and nobody wants to/can help.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC (OR)

I acknowledged the debt and offered a settlement offer earlier this week, XXXX XXXX XXXX accepted the offer of {$2800.00}, but when I logged in to pay it the settlement offer was over {$5000.00} so I set up payment arrangements. I am utterly concerned they were trying to make contact to me by way of a complete stranger, my father and an elderly neighbor. 

XXXX I received a XXXX message from an unknown person to me stating Diversified Recovery Bureau LLC was repeatedly calling her and leaving voicemails. She sent me a screenshot. After several days she located me on XXXX to let me know. Understandably, she was extremely upset and stated she will be filling a claim if they do not stop calling her. 

XX/XX/2024 @ XXXX am - Received text message from my XXXX, XXXX XXXX was calling to collect a debt on my behalf. 

XXXX sent an email to XXXX XXXX to cease and desist communication with the third party of my father and complete strangers regarding. Unknowing that there were one more 3rd party attempt to people who I have no personal connection too. 

XX/XX/2024 @ XXXX am - Received a XXXX message from an old neighbor from XXXX  years ago stating Diversified Recovery Bureau LLC contacted her elderly mother to try to collect my debt. I have no personal contact with the neighbor. 

XX/XX/2024 @ XXXX am- Call placed to Diversified Recovery Bureau LLC to let them know I was infuriated with their unlawful attempts and to cease all contact to anyone regarding my debt. 

XXXX State Bar- Debt collectors both collection agencies and lawyers who try collecting debts must comply with the federal Fair Debt Collection Practices Act, as well as XXXX state law. The federal law prohibits a debt collector from communicating with anyone about a debt except for those involved in the debt-collection process.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX failed to get me the pair of shoes I purchased. I took this up with my Chase, after XXXX said they can not do anything for me.

At first Chase credited my account, however they just took that away.

This is a fraudulent charge, as I never received and took possession of those goods.

I would like Chase to make this right.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On the payment app Venmo, I have held a balance of {$630.00} that has been frozen for well over 800 days. I have been consistently asking them to unfreeze my account so I can have access to my funds. They have not done anything to help me out or release the funds to me.
Consumer complaint received 2024-09-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Multiple disputes with the incorrect debt amount reported. Per the lease agreement the security deposit was refundable but that amount was not calculated into the final debt amount reported to the debt collector. The debt collecter did not investigate the information given before reporting it to the credit bureau and applying late charges and interest.
Consumer complaint received 2023-04-13
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. (IL)

consumer reporting agencies were made aware of fraudulent accounts and information being furnished several times. The consumer reporting agencies have failed to follow procedures before reporting said accounts to my consumer report. The account included in ftc report is fraudulent therefore making my consumer report unfair and inaccurate
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-27
Product: Credit 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: JPMORGAN CHASE & CO. (LA)

i called Chase bank to report the fraud transactions which did not make by me in XX/XX/2024 my card was got stolen and they used to buy for many different things. the first time chase credited back to me and investigate. After 2 weeks, they put it back and said that i made those transactions. Clearly, i did not make transaction to go travelling and spending money on luxury things. Chase makes me have to pay for these transactions. they replaced my card. However, there is a fraud transaction still charge in my account in XXXX so they replaced my card again. I am not sure why my account is charged by someone again and again and Chase make me responsible for it.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My problem with 2 Banks : -1- XXXX XXXX  XXXX Bank of America i , m lost between them - i sent before complain ( CFBP XXXX against XXXX XXXX ) no solve - now i would like the both banks contact together see my problem, one bank say my check is cashed and another bank say it is returned i have checking acc., with XXXX XXXX and I have credit card with Bank Of America my account with XXXX XXXX  XXXX - i, m afraid to write my credit card here ( please call me to give the number to you or my full name on bank of America credit card is XXXX XXXX XXXX XXXX last 4 digit XXXX XXXX please read my XXXX com [ lain ( XXXX ) and i complain the both -i need them to make investigation or talk together now my money lost between them - and I have late all my payments - please i woauld like to ask XXXX XXXX  contact and communication with Bank of America or Bank of America contact or communication with XXXX XXXX i have two letter from them one say it is cached and another say it is returned to them
Consumer complaint received 2023-05-30
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX 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 XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

its been over 30 days and the creditor information not had provided proof or documentation in regard to a late payment They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete this investigation, and failing to do so this must be deleted immediately from the report as soon as possible
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MI)

I have had a solo checking account with PNC Bank ( beginning at National City which is acquired ) for 25 years. About a week ago I received notification in the mail that my checking account and XXXX savings account were being closed by the bank. I attempted to call customer service and they refused to provide an explanation. I have never been overdrawn, I receive a regular direct deposit from my employer and otherwise most transactions are autopay bills. I was given no notification that the bank was concerned about my account. I do not transfer money into or out of this account aside from direct deposits and regular transfer from checking into the savings accounts. Customer service was unhelpful and quite frankly rude in their unwillingness to help me.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TOO STRONG Mortgage LLC (AZ)

FACTS XXXX. An application for a joint refinance was submitted without my knowledge or approval. 
Borrowers XXXX and XXXX XXXX XXXX. When I requested a copy of the application that was used for the loan I was sent an incomplete copy of an application which contained no signaures. 
XXXX. Assets used were not 100 % of the applicants. Pending divorce order at the time specified a split of XX/XX/XXXX of retirement. 

XXXX on XXXX XXXX I was forced under duress to sign loan documents. XXXX XXXX was aware of this plan and participated in manipulating me to sign for the refinance. 

XXXX forced to sign a " quit claim deed '' XXXX after I was used on the application to get my ex approved. Just prior to this, he did not qualify for even a new rate and term refnance. ( proves there was less than standard acts of practice to get this loan approved. ) XXXX. This act cost me significantly in the XXXX XXXX Prior to XXXX XXXX my ex ( divorce XXXX ) along with XXXX XXXX submitted an application with my personal information and signature ( my name is on deed and loan documents ). Loan # XXXX XXXX On XXXX XXXX the loan documents were presented to me for the first time ( when I was forced to sign under duress and threatened by ex 's atorney with sanctions and contempt of court. ) XXXX XXXX was aware of our pending divorce and knew that I would be forced to sign the documents for the joint loan that had been approved using my AZDL # & social security number that were used as required on a loan application for a joint refinance, without my knowledge or consent. 

When I requested the loan application from XXXX XXXX, I was sent an incomplete application without any of my information or signatures. 

My ex, XXXX XXXX could not qualify for a refinance and had a limited time to qualify or I would get the home in question. Prior to this refinance XXXX could not qualify. I qualified on my own to refinance and buy XXXX out of the home.
Consumer complaint received 2023-04-07
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. (NY)

This is my complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2019 a debt recovery company named Portfolio Recovery Associates LLC whose mailing address is : XXXX XXXX XXXX XXXX XXXX Phone Number XXXX reached out me at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a debt that I owed from a XXXX XXXX XXXX issues by XXXX XXXX XXXX They called my cell phone number many times and when I finally spoke with them in XXXX, I shared with them that the address they had listed XXXX NOT and hod NOT been my residence and also I never authorized opening a XXXXXXXX XXXX XXXX due to my credit being bad and I was workin on repairing my credit. 

Later that month, after many calls I requested a copy of the credit crd information and a listing of the charges. XXXX the Credit Card issues would not speak to me because I was not the Primary account holder but the Debt Collection Agency was able t send me the information of the charges and the total debt owed which is {$4600.00} After a few follow up conversations with the XXXX issuer XXXX they stated that the name of the Primary Account Holder who at that time was an X-Partner who I never authorized to open an Credit Card Account in my name or any shared line of credit with her. 

This debt is currently listed a in Collection on my credit report lowering my credit rating. Also I no longer have any contact details of the Primary Account holder, who is the person who opened the account without my awareness or permission. 

I find it really appalling that a credit card company and credit issuers would allow any individual to open a credit card or line of credit using a persons names and only notify the person once the debt is in collections.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was a victim of two scams. The first one is a non-delivery scam. I have applied for a validation diploma. The scammers contacted me through telegram and started their manipulation with resulted in me paying them my hard earned money and getting nothing in return. Once I payed the initial fee, they requested I pay a numerous amount of tax and release fees. They never supplied me with a validation diploma and stopped all correspondence with me. 

Regarding the second scam, I received a job offer from XXXX XXXX XXXX XXXX XXXX ( UNSDG ). Once I payed the initial fee, they disappeared and did not contact me again.
Consumer complaint received 2024-03-25
Product: Credit reporting 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)

Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Hillcrest Davidson & Associates (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

It started with a letter in the mail from a company called XXXX XXXX. They claimed that they were able to consolidate my student loans and were able to get me a lower payment. Therefore I called them and after the " paperwork '' was done I had to pay {$800.00} upfront and the monthly payment was supposed to be {$49.00} a month. All of this happened in XXXX. Then in XXXX my loan servicer contacted me and said that I had to start paying my loans, which was weird because according to XXXX XXXX I was paying them already. Then I tried to call them and of course no one answered. Then I researched a little bit and turns out that I wasn't the only one with this problem with this ilegitimate company. Then I called my bank which is Well Fargo, and they basically said that they couldn't do anything because the transactions counted as me not being satisfied with the service the company was providing. I told them that there was no service because it was a scam, and they just didn't do anything.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be completely deleted from my history because it is not mine, it hurts me
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Rubin & Rothman, LLC (NY)

On XX/XX/XXXX my mother, informed me that her account was blocked and she was made a aware of this when she tried to purchase her medication at the pharmacy. I assured her I would resolve this for her as she is XXXX and has her limitations. I will keep this as short as I can. 

Turns out there was a judgement to place a hold on her account by a collections agency claiming that there is a debt in the amount of {$8400.00}. However, this hold is allegedly because of me and not her. I am a signor in her account therefore they went after her funds. I find it odd because I have my own personal account, but they went after hers. I fought and fought about this because I have no recollection of this so called credit card debt and I also was never even served by them. I demanded they mail me documents supporting this accusation and received an affidavit dated back on XX/XX/XXXX. Surely I would remember being served with something such as this 5 years ago and I would have definitely filed an identity theft claim back then. 

They are savages and I went to the civil to file an order to show cause and also have a court date XX/XX/XXXX to have this dismissed and vacated. My poor mother does not have access to her funds that are 100 % to her ownership, I am only the signor in case I have to do something for her on her behalf but these are NOT my funds but they sure went after her money. As of now I will be filing a police report. Thank you in advance. 

XXXX