davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

XXXX/XXXX/XXXX, I went to the Texas state fair and talked to a representative of XXXX Firm about the promotional display they had. He asked if he could run my credit to see what types of product I qualified for which I agreed to, but he never asked if I wanted a credit card, and the form I filled out was not an application for a card, just authorization to pull my credit. I ended up not purchasing a mattress, and thought that was the end of it. 
On XXXX/XXXX/XXXX, I received a credit card with a {$14000.00} limit from Synchrony Bank, that could be used with a few select vendors, including XXXX Firm. On XXXX/XXXX/XXXX I called Synchrony bank, and they advised they could close the account, but that they would not be able to respond to my complaint about the fraudulent opening of the account, and that they could not remove any credit reporting impact caused by opening and closing account in a short period of time. 
I need assistance in getting this off my record, and some action taken against XXXX XXXX Bank for the deceitful and railroading practices they employ in extending credit.
Consumer complaint received 2022-11-22
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX .... Balance : {$4400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX # XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX # XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2022-11-22
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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. (IL)

Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy TransUnion continues to illegally report a bankruptcy on my consumer report. There is no such court XXXX XXXX Illinois which is inaccurate false misleading, this company refuses to provide me with proof/documentation and data furnisher. TransUnion also reporting inaccurate account XXXX  # XXXX as included in bankruptcy wage payment plan currently how is this possible if the illegally reporting bankruptcy was discharged by there reporting on XX/XX/2022. I have attached a letter from The United States Bankruptcy Court/ print out of pacer.us gov .courts with the actual correct court name an address. The court does not verify-validate any information with credit reporting agencies or credit monitoring services concerning bankruptcy, TransUnion continues to falsely state this information on my consumer credit report an yet to delete. Violations of my consumer rights 15 USC 1681b I didnt give my written instructions/permission 15 USC 1681e ( b ) Accuracy of report 15 USC 1681s-2 ( B ) ( A ) reporting of information after notice of errors an reporting with actual knowledge of errors 623 ( a ) ( XXXX ) Duty to provide notice of dispute
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XXXX XXXXXX/XX/23 I deposited a check for {$22000.00} through mobile deposit. The account showed the entire amount was immediately available. I called USAA to verify this and once it was verified, I initiated a wire transfer for {$18000.00} to pay for a business I am in the process of buying. Over the weekend on XX/XX/23, I received a call saying the check was being looked at for fraud. As this check was issued by XXXX and came from a XXXX loan I took, I explained the situation to USAA and after several hours of going back and forth, I was told the problem was resolved. On XX/XX/23 the wire went out as scheduled. On XX/XX/23 the wire was withdrawn from the receiving bank by USAA. When I called to get it fixed, USAA indicated it was because someone did not close out the previous matter. They said it would take XXXX business days to resolve the issue and until then not only was the wire withdrawn, but my checking account was frozen. This action is damaging my personal and professional reputation, potentially my credit score, and my access to my other funds in my checking account.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NM)

I tried to cancel my subscription but there is not one centralized number. I was directed to some XXXX people not in our country. I gave them my member number and they wanted my full social, full date of birth, credit card number. That is NOT secure and all that info should not be required to cancel my subscription! I had to cancel through my bank. This seems like a phishing scam. I should be able to cancel through my account online and they do not let you. I canceled my bank card to try to cancel and they were able to get into my bank account even though I haven't even received my new card yet. This need to be resolved immediately!
Consumer complaint received 2023-05-12
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2022-11-22
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. (NJ)

I sent a letter to XXXX, XXXX, and Equifax on XXXX XXXX XXXX It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2022-11-22
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

In regards to : XXXX & XXXX ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between experian and XXXX my balance is reflecting on XXXX but is completely XXXX on Experian. The c/o status is even reported way more times via Experian then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.
Consumer complaint received 2022-11-22
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. (TX)

XXXX XXXX, this item is fraudulent. I never signed any physical or electronic agreement with there institution for a loan. I have written to them and transunionn credit bureau. I have provided sufficient documentation showing the acct id fraud. However, my words seem to fall upon deaf ears. I need this fraud acct to deleted most expeditiously from my credit report please.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Concord Resolution Inc (Closed) (CT)

Company has called my job, house and cell leaving message that im a person of intrested. Leaves other messages threatened lawsuits. They have refuse to vertify debt over phone or in writing. I can not keep getting these hsrrasing calls at work or my home.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transuion 's website promises a free credit report. The ONLY sign up options are paid accounts. When you click the link for a free credit report, it goes to a different website, https : XXXX. This promises reports from all 3 agencies. 

That form never works, so then it directs you to XXXX XXXX XXXX XXXX XXXX and this phone number XXXX. 

When you call that number, they have no idea what you're talking about, and can not help you with the 3 reports you were promised on the previous page that directed you to the phone number. 

This is intentional. There's no way they don't know none of the links work. Transunion is deliberately directing you away from thier website to a service that does not work. 

Can you please look into this?
Consumer complaint received 2017-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IL)

Since XXXX I have gotten harassing letters and phone calls from Wells Fargo bank about a loan taken out by a woman named XXXX XXXX, it is a car loan. I have contacted the bank at least a dozen times over the past 4 years, and every time I was told it was the last. In XXXX I was called again, since I am on the do not call registry Wells Fargo was forced to pay me {$1500.00}. You would have thought that this would have made them learn their lesson, well you would be wrong. Last night on XX/XX/XXXX a process server came to the apartment building I live in saying he had papers to serve to XXXX XXXX. When I told him I did n't know her and would not take the papers to give to her he became abusive and called me a XXXX XXXX. He said the papers where about an auto loan and I had better pay the loan or I would get in trouble. This is the last straw, I demand that someone at Wells Fargo be arrested and that they pay me at least {$5000.00} for their crimes and harassment, I suggest that XXXX XXXX XXXX, their research and remediation manager be arrested as he is the last person I dealt with and was the one who paid me the {$1500.00}, he also said this would be the last I would hear from Wells Fargo and LIED ...
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I fell past due on my mortgage on XX/XX/, and prior to falling past due on my mortgage, I reached out to SPS for Mortgage Assistance under XXXX XXXX forbearance program, which I was placed on, SPS agreed to put me on the forbearance program, and they agreed to help place the amount was past due to the end of the loan under a partial claim program. I was advised, once I was ready to resume making payments, I was to call them to let them know I was ready to do so. 

Unfortunately, SPS advised me to fill out the loan modification assistant package and supply with all supporting documents, which I did, even though under that partial claim program, I was advised that I did not have to submit any documents under the partial claim program, and that the review process under the partial claim was to be document less. 

After waiting several months for the decision and having to supply them with the same repeated documents numerous times, they declined my request for assistance stating the reason that under the servicing the agreement governing the account, that the request for assistance option was not available. 

After again, numerous attempts and trying to get clarification on the denial, SPS refused provided me with any actual information to try to get mortgage assistance on my loan. 

Up to this date they never gave me a reason for denial as well SPS had foreclosure against my property while I was in review for mortgage assistance. 

SPS never assigned a single point of contact exclusively to my case which made it harder for me to receive results from them and I went to the extent to offer a contribution amount towards the past due balance and after all my attempts with SPS, the only option they gave me was foreclosure or short sale.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, EXPERIAN AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH EXPERIAN. PLEASE SEE XXXX EXPERIAN REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO TRANSUNION, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XXXX/XXXX/2022 SHOWS A LATE FOR XXXX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

Hi There, My Coinbase Pro account was compromised through CoinBase Pro API attack on XX/XX/2022. 

{$180000.00} in USD along with {$11000.00} in XXXX XXXX was drained ( wash or contra traded ) from my account. 

A total of {$190000.00} was " wash '' or " contra '' traded against another/other Coinbase account to drain my account. Wash trading is illegal, Coinbase allowed it to happen. 

This the {$190000.00} ( nearly {$200000.00} ) represents my life savings. Money saved over 20 years of sacrifices and savings. 

To execute this attack the attacker needs to have an account ( s ) on Coinbase to wash trade against my account, by forcing my account to Buy High and Sell low against trades to the attackers accounts, there by draining my account. 

This high frequency wash trading generated {$18000.00} in Trading Fee for Coinbase. 

Coinbase XXXX is supposed to be a custodian of our funds, especially $ XXXX Dollars, which should be safe guarded against fraudulent access and use. Coinbase is also supposed to carry insurance to safeguard and return illegally lost USD funds. 

Coinbase XXXX is also supposed to have safe guards against wash trading or contra trading. 
It did neither. In fact Coinbase XXXX made {$18000.00} facilitating another or other Coinbase accounts unauthorized access and trading from my account to drain my account balance. 

Coinbase is also supposed to have XXXX ( Know your customer ) on all of its customers. 
Coinbase know who executed this attack and who drained my account. 

At no point was my userID/Password or authentication compromised. My 3 Factor authentication was not compromised. No funds were directly withdrawn from my account or sent anywhere.

CoinBase has refused to share any details or restore my account to its status prior to the attack. 

Coinbase XXXX refused to let me sell the XXXX coin the attacker left in my account. Causing me great financial and mental anguish for a months. 

The case number with Coinbase is : Case # XXXX
Consumer complaint received 2020-04-25
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: ProCollect, Inc. (MS)

I am unaware of any collection amount of XXXX from XXXX XXXX XXXX. I have never lived at this address. 

According to the FCBA & FACTA 312, i would like for them to send me 1.A COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT with signature 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR I would like for the COLLECTION AGENCY PRO-COLLECT to send me 1. COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line 2. DATE of LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT /AGREEMENT WITH SIGNATURE 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THE INFORMATION PROVIDED FROM PRO-COLLECT DOES NOT CONSTITUTE PROPER VALIDATION
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Both my husband received a voicemail claiming to be Capital One XXXX XXXX XXXX saying that there were calling to report a fraudulent account opened in this name. They referenced these account numbers : XXXXXXXX XXXX XXXXXXXX. The call back number given was XXXX where the Live Customer Service Line listed on the Capital One website is XXXX. My XXXX XXXX XXXX, where I have XXXX accounts, alerted me to the fact that someone completed an application in my name at Capital One and XXXX XXXX. XXXX is in the process of disputing these applications. When I contacted Capital One, they denied there is an application. XXXX XXXX confirmed there is an application and denied it and referred it to XXXX XXXX XXXX.