davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: Self Financial Inc. (PA)

NOT MY ACCOUNTS i sent a letter on XX/XX/2022 to XXXX XXXX XXXXXXXX its been XXXX than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (NM)

Received a call from the collector and was asked to verify my information. Instead of me providing my information to verify the debt, my name, the originating creditor, my date of birth, my previous address and the last four of my social was read to me to verify my information. With a handful of previous numbers I have had over the years, I can not understand for the life of me why a debt collector would call and read off my information and ask me to verify said information. Previous numbers that I no longer have will have had the same process, so my personal information has been leaked to who knows how many people. The first agent hung up on me. I immediately called back to have all of the same information read back to me a 2nd time without me providing it. I asked to be transferred to a supervisor who proceeded to tell me that is their process and that's the way they do business and was then hung up on by the supervisor. That debt was disputed through XXXX credit reporting agency on XX/XX/2022 under the category of identity theft to start with and now I have this collector reading my information of to who ever they have called in an attempt to collect the debt. I know exactly who the person is who opened up that account in my name and after speaking with her, can verify that she has not received a call from the collector. That person is my wife, we have been separated for some time now and we have been assessing and rearranging all of our debts collaboratively in order to have our lives separated outside of court orders and lawyers so that when we file for divorce we are not wasting time or money so we that we may move on and proceed with our lives.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently pulled my credit reports and there are multiple collections for XXXX XXXX XXXX XXXX that XXXX XXXX XXXX is reporting on Experian. I contacted XXXX XXXX XXXX XXXX and was advised that I do NOT have any outstanding balances with them and they do not know why XXXX XXXX XXXX would be reporting on their behalf. 

I have disputed these items with Experian, but to date they are still reporting.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I filed a claim against a charge from a merchant with my credit card company, which also happens to have a relationship with this merchant. They seem to be biased towards the merchant in handling the claim. Additionally, they are discouraging me from questioning their judgment by threatening to post negative information on my credit report.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (AR)

Here are all of the hard inquiries that I did not authorize due to id theft, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

There was a credit card opened is reporting a account under my ssn. The name and address is different and date of birth and i am requesting all reporting under this number be ceased. The ssn being used is XXXX XXXX XXXX. This belongs to me XXXX XXXX not the person who applied and received card. This was fraud.
Consumer complaint received 2019-10-06
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: PNC Bank N.A. (PA)

I have noticed that PNC BANK have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PNC BANK and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WI)

XX/XX/XXXX I reached out to cash app to get a problem resolved with an account I don't have access to. Today is XX/XX/2023 and I have yet to receive reimbursement, let alone help accessing my previous cash app account to receive the {$65.00}. I've called cash app 7 times in 2days and reached out through the app to recieve help as well and No one has answers nor problem solving techniques when it comes to this issue.They all tell me the same thing It's nothing that they can do even though I have money in my account and my social security number is connected to it. They won't even refund the money to the people who transferred the money. They were told to have me reach out to get help with accessing the account but no one is willing to help.
Consumer complaint received 2018-06-28
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: Experian Information Solutions Inc. (NY)

I AM A VICTIM OF IDENTITY THEFT AND I NOTIFIED EXPERIAN THAT THERE IS A ACCOUNT ON MY REPORT BACK IN XXXX, ( XXXX XXXX/XXXX ) THAT I DONT OWN OR OWE I REQUESTED IT BE BLOCKED FROM MY ACCOUNT SENT THE EXPERIAN CREDIT BUREAU ALL REPORTS AND POLICE REPORT FOR IDENTITY THEFT, THEY TOOK IT OFF OR BLOCKED IT AND NOW THIS MONTH IT WAS PUT BACK ON MY REPORT, I CALLED THEM UP AND SAID WHY IS IT BACK AND THEY CLAIM THE COMPANY CALLED IN TO UN-BLOCK IT. SO THEY DID. THIS ACCOUNT IS NOT MINE AND DEMAND IT BE REMOVED FROM MY FILE IMMEDIATELY, AS I AM NOT PAYING IT OR RECEIVING INVOICES AND IT IS NOW SHOWING LATE AND HURTING MY CREDIT, WHEN IT ISNT EVEN MY ACCOUNT. SO I WANT THIS ACCOUNT IMMEDIATELY BLOCKED FROM MY CREDIT FILE.
Consumer complaint received 2024-02-13
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. (TX)

Identity theft occurred, perpetrated by an individual potentially using the fictitious name XXXX XXXX. Over a span of several months, XXXX compromised my mail, gaining access to sensitive documents including credit card statements, bank statements, and photocopies of my IDs. Subsequently, she utilized my information to apply for multiple credit accounts, including bank accounts, credit cards, and payday loans, all without my knowledge or consent. Experian refused to remove this information under FCRA 605B. 

Specifics : Identity theft incident occurred in XXXX. 
XXXX XXXX resided at XXXX XXXX XXXX, XXXX, TN XXXX, during this time. 
The fraudulent XXXX  XXXX XXXX account listed on my credit profile has an opening date of XX/XX/XXXX. 
Confirmation of identity theft by both XXXX and XXXX regarding the XXXX  XXXX XXXX account. 
Demand for immediate removal of the fraudulent account from my credit report.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.
Consumer complaint received 2022-01-14
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 (GA)

I have had an ongoing problem with synchrony MasterCard XXXX for a few weeks now I had an XXXX transaction dated XX/XX/2021 and which I ordered a camera {$140.00} that was damaged I sent it back XXXX have proof of the buyer picking it up and signing for it however was never issued a return. I forwarded all my information to XXXX and synchrony about this transaction and their claims team did not do their job. I had to resubmit another claims XX/XX/XXXX and Im told I have to wait 90 days for this to proceed? When I have the seller of the item acknowledge that he has received it and has told me that XXXX is the one not issuing the return I have a problem here.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

Enhanced Recovery CO at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$160.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX I mailed a letter to AWA Collections asking for proof and validity of the debt that they claim I owe. On XX/XX/XXXX I received documents with a forged signature, stating that I owe {$3300.00}. I have never entered into an agreement with this company nor XXXX XXXX XXXX which is who they represent. This is a violation and an illegal practice. This debt must be removed from my credit report immediately.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have been corresponding through regular mail with Specialized Loan Servicing about my Loan Modification Application over the past few months in an attempt to get current on our mortgage loan. In the last letter I received from them they requested more financial information from my wife and I. The date that they put in the letter that they wanted to get the information by was XX/XX/21. I sent everything to them XXXX  Overnight on XX/XX/21 and it was supposed to be delivered next day by XXXX XXXX.. However XXXX was unable to deliver it until the XXXX at XXXX XXXX. It was delivered to the front desk/reception area, or mail room and signed for by XXXX XXXX with Specialized Loan Servicing. I followed up today to find out what they had decided and they said the Foreclosure process had started because they never received my paperwork. I explained to them that it was delivered and provided the XXXX tracking number and receipt that XXXX XXXX signed for it at their office. I feel that they need to find the XXXX package and make a decision on the loan modification or delay the foreclosure and allow me to resubmit the paperwork.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AL)

In XXXX of this year, I used Cashapp to order groceries from XXXX with a charge of {$70.00}. I could clearly see my account go down to {$0.00}. Fast forward an entire month later, I wake up to a cash app notification saying that a {$70.00} payment from XXXX was completed. They had just taken money I had just received from relatives not XXXX hours ago.I had called their support and cash app claims that there was a " glitch '' that returned the money from the charge. Even though, my account remained at XXXX, they claimed I received the money an that they couldn't return the {$70.00} that they took from my account without any authorization or notification from me. After checking their recent reviews they've had multiple people have this " glitch '' and had cashapp pull money from their accounts
Consumer complaint received 2022-01-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Direct Mediation (TN)

First Direct Mediation contacted me on the behalf of XXXX XXXX XXXX. He told us that the debt collection agency that had it tried to contact us for almost a year. We havent received a letter. We were in the process of getting XXXX XXXX added to a XXXX plan. We are trying to get back on track. 2020 really hurt us. We wanted to try a XXXX plan before bankruptcy. I informed him of that. He then told me XXXX XXXX was going after us for theft by deception, fraud, etc. when that is not true. We had loans with them and paid them off several times. We just got stuck in hard times during covid and pay reduction. But like I said. We wanted to do a XXXX and pay our debt back. He told me that it didnt matter that even if I filed bankruptcy the debt could not be discharged which I was told is completely false. So I canceled adding them to my XXXX and set up a high amount payment plan with them. I feel like he tried to scare me into setting up a plan with them.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 at about XXXX XXXX, i tried to use the Bank of America ATM ( on XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit XXXX $ in cash. The ATM did not have any restrictions on the cash amount that could be deposited beside the restriction on the amount of bills it could accept at once - XXXX bills. I inserted XXXX of XXXX $ bills. The ATM was counting the bills as normally would do, then it stopped and asked me to input the amount of $ that i was depositing. Shortly after it gave me an error message and spited out a receipt of my " XXXX $ '' that i deposited and a message that there was an issue and i should call a number ( that was on the receipt ). I entered the Bank that the ATM belongs to, and their staff just told me to call same number. I called the number from the receipt. The first representative told me that at that time they couldn't do anything and that i should wait for 10 business days for them to investigate the case and 45 days for the case to be resolved. I told her that i could not wait since i am XXXX XXXX and in process of relocating to my next duty station in XXXX. More than that, i needed those money to complete a financial transaction in XXXX ( down-payment for a car ) that should've to be completed in less then 5 business days or i would loose the car and my deposit ( XXXX $ ). I asked the representative to transfer me to someone so we could expedite the process. I was transferred to a wrong department. I had to call again and i spoke with another representative ( XXXX ) and after i explained everything, he told me that he will send a message to the " back office " to expedite the process of crediting me the rest of the amount ( XXXX $ ) until they finish the investigation. He told me that i should have a response on the XXXX of XXXX around noon. I called today ( XXXX XXXX ) at noon as agreed, but the representative that took my call ( XXXX ) told me that there's nothing to be done but wait. I asked him to connect me with his supervisor since a REALLY NEED MY XXXX $ that their ATM stolen from me. 
His supervisor called me in about half an hour, but the phone call has not productive at all. I asked to be connected with someone who could expedite the process since i would leave US in 2 weeks, but he just said that there's nothing to be done but wait. 

I am very frustrated, feeling that Bank of America robbed me. I totally lost my confidence in this institution. 

We are talking about my XXXX $ that i need in couple of days or i will lose money!
Consumer complaint received 2021-04-14
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: CITIBANK, N.A. (DC)

Best buy Citi Bank is retaliating against me due to my XXXX  and social security income. 

As stated in there letter I'm not receiving any Billings. 

Due to my XXXX and social security income. 

I disagree with Citibank regarding the balance on the account. In addition I have requested a dispute regarding the transaction under Fair Credit Billing Act in XXXX regarding the transaction. Citi best buy took no action because of the coronavirus. 

The transaction is not valid and Citi Bank has refused to conduct an investigation under the Fair Credit Billing Act. 

This is a discrimination against Rev. XXXX XXXX XXXX due to his XXXX and social security income. 

The transaction they are trying to collect was never received or made by me. The transaction was dispute with Citibank along with another fraudulent transaction. 

Please remove any negative report from my credit report regarding this account. 

The transaction is not valid. Citi Bank is refusing to proceed with arbitration under the term and conditions.
Consumer complaint received 2022-01-26
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. (CA)

XXXX XXXX reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to XXXX XXXX.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

We had the exact same scam but we lost over {$3.00} XXXX in total. 

We are operating on XXXX XXXX and he has a browser in it to use dapps he is a listed company and is also regulated by the US government I don't know why he can allow fraudulent links to use on his platform this is his Vulnerability and now many people have been victimized. 

My friend was in the UK and then I was in XXXX and we were defrauded of {>= $1,000,000} in total. I'm pretty sure there must be XXXX people in this scam group because their customer service can speak XXXX. His authenticated link appears on his trading platform and his own link has no way of being on it. 

I hope you can work with the FBI or the Coinbase platform to help us get back the lost funds, or I think Coinbase needs to be responsible for this bug because it's really his bug 1. My first money of over {$250000.00} was transferred on XX/XX/2021 2.They moved all the money from my wallet because of the smart contract 3. XXXX This address is where this XXXX was transferred Later, their fake customer service gave me another XXXX because they said they needed to be forced to pledge. 

XXXX XXXX I transferred more than XXXX and XXXX to these two addresses respectively, but they did not show in the wallet records because he said that we need to apply for an exclusive channel and then gave us the address directly. But others took it back, so I can't see it now. 

Currently my own account has almost XXXX in it my friend 's account he will submit to you himself. 

Below I also attach the conversation with their fake customer service with me. 
I'm in XXXX and I'm pretty sure their main location is in the US so would like to ask you to work with the FBI and help us recover the stolen funds.
Consumer complaint received 2024-05-05
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)

I am deeply dismayed and frustrated to discover that my identity has been compromised, rendering me a victim of fraudulent activity. Regrettably, I am entirely unfamiliar with the entities associated with the accounts in question, as I have never engaged in any transactions with them. I wish to assert that I have not provided explicit, written consent for any third-party consumer reporting agency to furnish data pertaining to the following accounts. It is imperative to recognize that my privacy rights have been infringed upon, and any unauthorized disclosure constitutes a breach of my security and could potentially lead to identity theft.

I hereby demand the immediate removal of this fraudulent data from my records. In accordance with 15 USC 1681-c-2, I expect this action to be completed within four business days to mitigate any further legal consequences. Your prompt compliance with this request is greatly appreciated.