davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After carefully reviewing my credit file I have become aware that Portfolio holds an account representing XXXX XXXX XXXX. I have never held an account from XXXX XXXX XXXX nor had an affiliation with Portfolio Recovery. I have never even been informed about this alleged debt until receiving my credit report. The alleged debt in the amount of {$440.00} is the direct result of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your
responsibilities when reporting information to CRAs.Pleas estop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC (MI)

I was never sent any communication regarding a debt that I was claimed to have owed. I did not receive any info from this company until my federal taxes were offset. When I was made aware of the situation I contact the XXXX  and was provided this company 's information. I contacted them and verified the debt and that was back in XXXX. I have since been attempting to make a payment arrangements on said debt but it is nearly impossible. They ask for information that I have mailed to them, three times. I had not heard anything back so I called them to see what was going on and was told that I had until XX/XX/26 to provide the information that they already have. The csr 's are of little to no assistance and it truly should not be this complicated to pay a bill.
Consumer complaint received 2021-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc. (CT)

Went to a XXXX XXXX because we needed a reliable vehicle after filing out the credit application online that they provide thru the dealer website. We get there and find a vehicle of interest and agree to proceed with purchase. So we sat there for 4 hours waiting for finance manager to talk to us, when he finally does, its a hour after the business hours now and they should be closed. So he shows me what the monthly payment would be considering credit score and it was acceptable. But then never went over anything else like amount of months of loan, percent of financing ect.,, So I assumed that it was the numbers from the preapproval but after getting home a hour later and looking at the paperwork, the financed percent was 19 % not 9.84 % and the amount of months was 72 not 60. 
And the worst part was that I was financing {$13000.00} and it said I would have to pay {$28000.00} total after financing. Not to mention I put {$5800.00} cash down!. 
There is no way they can get away with what just happened. How does a single mother of 2 afford such a thing and why is none of this overlooked by government/state.
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

hi XXXX XXXX/ Sears/cbna ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged
Consumer complaint received 2018-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I initiated a funds transfer ( ACH ) out of the account ( Coinbase/GDAX ) on XXXX XXXX - XX/XX/2018 UTC for the amount of {$10000.00}. ( Transfer ID : XXXX ) ( Case # XXXX ) It has been 3 weeks to date. I have had multiple phone calls and multiple emails, with basically no information. All that was said, is that " a specialist is looking into it. '' The emails were exchanged around XX/XX/2018. ( no information ) I have a record of them. 
I have made 3 phone calls to Coinbase support over the past 3 weeks with no information given. 

My bank, XXXX has not received the funds yet. 

XXXX XXXX
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2024-01-30
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. (MO)

I reviewed my consumer reports and noticed that i had One late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2021-07-24
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Today I have contacted y'all to open a fraud case, and y'all did, and my dispute number is XXXX, and I need y'all to enable my online bank account, so I can log in back into it every time I do. It says this Online access is currently unavailable. 
To access your accounts online, please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX About Us Careers Privacy, Security every time I call, y'all agents transfer me to different departments and tell me a different story. I need y'all to enable my online bank account to log in again and credit back my payment. My account number is XXXX, and my username is XXXX.
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: Experian Information Solutions Inc. (WV)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

To whom it may be concerned, Towards the end of my lease term the apartment complex I was living inn told me I needed to give them a 60 day notice if I was not going renew my lease I gave them 71 days notice an extra 11 days. 

I moved out of my apartment XX/XX/XXXX and in XX/XX/XXXX I received a letter from " RentDebt automated collections LLC. '' stating I owe them {$3100.00} but does not explain why. It only states that they are collecting a debt for " XXXX XXXX XXXX XXXX XXXX '' I tried to contact the apartment complex and left several messages to explain that I left on good terms and there records where wrong. I wanted to know why they would wait two full years to tell me I owed them money. 

I do not owe RentDebt anything they have no legal right to report anything on my report or collect some erroneous debt. I left my apartment in good standings to get a letter almost 2 years later is absurd and very suspicious. I have called the apartment complex more than 5 times to get some sort of explanations and left a message on each occasion to this date they have never responded to me by mail or call. I have received some calls from a company called RentDebt that I have never done business with that has threaten to sue me if I do not call them back. They have also placed a collection on my credit report lowering my score more than XXXX points. I monitor my score on a monthly basis this is no expectable or legal.
Consumer complaint received 2021-07-23
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: SYNCHRONY FINANCIAL (OR)

I called synchrony XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.
Consumer complaint received 2024-01-30
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. (MD)

While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my XXXX, TransUnion and XXXX credit report, I have tried to dispute them but was asked to provide an FTC report.
Consumer complaint received 2021-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I sent in an Identity Theft Affidavit to Transunion regarding unauthorized and unverified inquiries on my credit per my XXXX advising me to do so. 

I called the Transunion fraud department a week later and the rep confirmed they had received the report and was going to mark the inquiries as fraudulent. Then he proceeded to tell my the inquiries would be off of my credit report within 24 hours. Here we are on XX/XX/XXXX and these unauthorized inquiries are still showing on my credit report.

According to the Fair Credit Reporting Act, Transunion is in violation of the law as unauthorized/unverified items MUST be removed!

I called into the fraud department again yesterday on XX/XX/XXXX and they continue to violate the law with their reporting inaccuracies. 

I told the fraud department that we will pursue legal action if this wasn't handled immediately.
Consumer complaint received 2021-07-08
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. (TX)

I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Equifax will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (FL)

This is about Paysafe USA on XX/XX/21 at XXXX. 

I went to a XXXX XXXX kiosk and sent money to Paysafe. I paid the man at XXXX ( kiosk is in most XXXX  ) for my paper ticket with a 16 digit PIN number which acts as a virtual prepay to buy gaming services. However the receipt did not have a PIN number. It was missing along with the serial number of ticket which is just below PIN NUMBER.

There wasnt a printing error or XXXX  malfunction. I know this because XXXX XXXX can confirm the transfer went thru.

The ticket is simply missing the pin and serial number. I am out {$50.00} because of this. I have a picture of the ticket with missing numbers and an older ticket to compare it too. The other ticket is one I used the balance up.

I have circled where the numbers should be & I have drawn an arrow to the numbers on the other ticket.

This isnt rocket science I got them dead to rights. All calls to them and emails are ignored.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

XX/XX/22 at XXXX pt. 
Lost account access, all funds depleted from account while on the phone with account member fraud services.

Reported to bank and still do not access to account, fraudulent person 's still obtain my account information. Have emailed over 25times, and called with recoded calls made to chime bank 4times. Filed police report with XXXX county police where account was accessed from, and funds taken, contacted store manager and have full cooperation from them. But still no access, to my account, no credits back and no sign of that soon. Said 5 days tell a formal complaint can be made, account suspended, and all my personal information still in the hands of the fraudulent useres who now have all my personal data, address, dob, social, depositing account numbers, email info, and still trying to access linked accounts and depositing account. Which one is my Washington state unemployment which was deposited an hour before theses charges and account drained from.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I brought in a check at Bank of America and they took it and deposited it, they said that I should have my money by the next business day. Hours later I received a hold on my account and they claimed placed a hold onto my because of suspicious activity or concerns they check would not clear. I work for the XXXX XXXX XXXX XXXX and brought in a clear ID of my work ID. The check is clearly not fraudulent. They have placed a 7 day hold and will not let me access my funds not even partially.
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: EQUIFAX, INC. (NV)

I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Thanks in advance for assisting in resolving this matter
Consumer complaint received 2021-07-25
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: Bread Financial Holdings, Inc. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-07-25
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: SYNCHRONY FINANCIAL (IL)

I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. 

The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. 
We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. 
The owner contacted me to advised that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. 
Weve been patient in waiting for refund. Its been over a month. ''