davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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. (CA)

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-28
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)

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I ordered 2 vitamins from different companies, 1.  XXXX and 2. 
XXXX XXXX. They billed my checking account, XXXX, card XXXX, for {$4.00} and XXXX XXXX , {$4.00} on XX/XX/2019, and that was ok. I called to their numbers, XXXX XXXX and XXXX XXXX , XXXX and cancelled, they insist on you staying on, but I said all I wanted was my introductory offer, I do not order these anymore because of this trickery. They also do not send confirmation emails. Then I notice on my checking online charges of, 1. XXXX, $ {$93.00} 2. XXXX, {$93.00} on XX/XX/2019, I immediately called to me bank and filed a dispute, they credited my account or blocked my account, because unfortunately I lost the card these companies had information on and one after that, but I found the one after that but it was too late and I have the card that followed after that today.So XX/XX/2019, Chase Bank wrote up the dispute, credited my account and began their investigation. I thought for sure they would find in my favor as the company didnt take longer than a week and a half to bill my account, it reached my bank for charge 2 week XXXX the XXXX to XXXX before the XXXX when they sent their billing and I had unfortuanately lost that card and then one after that, so they were on standby for no other reason but my misfortune.So I get a letter from Chase Bank dated XX/XX/2019, that they had completed their investigation and had found the transaction was processed correctly. 
I remembered your agency when I worked for CA Consumer Affairs, I told Chase I was suing them in small claims court, the manager kept asking are you going to sue Chase Bank and then I remembered you guys who oversee this type of business, so I'm bringing it to you guys, I do not believe that Chase acted correctly as they stated, these companies provide no documentation of cancellation, i CALLED THEM AGAIN AND GOT CONFIRMATION I WAS CANCELLED, Please have these companies or Chase reimburse my monies, 1.  XXXX, $ {$93.00} and 2. XXXX XXXX, {$93.00} on XX/XX/2019, thank you.
Consumer complaint received 2024-02-13
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. (CA)

XXXX XXXX XXXX  and experian and XXXX XXXX have all illegally reported transactions that are inaccurate and they never had my consent and I am a protected consumer by federal law and I have a right to privacy and I have to be notified that i have the right to opt out due to my right to privacy act of 1974. 

they have been reporting and causing me to have a lower score, damaging my to credit and violating my right to privacy and they are not to report without my expressed and written consent 15 usc 1681 and I need this account to be updated and deleted as I have NO COLLECTIONS. They are violating the FCRA and the FDCPA. I have a right to privacy and they are violating me.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KY)

My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report
Consumer complaint received 2020-02-19
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: FIRST NATIONAL BANK OF OMAHA (MS)

XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, fst ntl bk XXXX : First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX  District of California,
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I was tracking some Bitcoin that my broker sent me to my coinbase account. Coinbase support had me send funds via various crypto bitcoin, ethereum, XXXX, XXXX tether to track this BTC. I ended up getting hacked and spending over {$350000.00} and still no recovery of my BTC funds the broker and lost my tracking funds as well. Coinbase still asking to me to fund the recovery. At this point Coinbase has bankrupted me. They can't even provide a case number for this. Coinbase is a fraudulent company. Their customer support is XXXX.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am being violated by XXXX, XXXX XXXX Equifax credit bureaus under XXXX ( XXXX ) ( B ), XXXX, XXXX, XXXX, XXXX, XXXX ( a ) ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX!
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX I have contacted XXXX more than 5 times due to the Company reporting inaccurate information on my credit report They are reporting a XXXX Consumer Account on my report that is not ONLY inaccurate but it also has several inconsistencies- The High Balance is Incorrect The Account is reporting as Charge Off - Yet it is reporting a balance which is INACCURATE reporting They are failing to provide me with proper documents to verify this account! They only responded in XXXX of XXXX stating the account is verified and they failed to respond to reinvestigation request! 

The account has tons of errors and they are not properly verifying nor honoring my right to dispute information on my credit file!
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

My mother, XXXX XXXX, who's an elderly senior woman had {$6900.00} with XXXX XXXX ( account number : XXXX ) that allegedly went missing because it was somehow withdrawn by me, XXXX XXXX, her son, who's listed on this account as a Minor. We recently spoke to two different PNC Banks in the XXXX XXXX, Illinois area, to help us figure out what happened to the money, but on both occasions the managers there stated they didn't have access to the records even though PNC Bank acquired XXXX XXXX. The manager at one site suggested writing PNC Bank headquarters because there wasn't an email or phone number to use, so a written letter was mailed to PNC Bank Headquarters. An agent of PNC Bank by the name of XXXX XXXX, Retail Escalation Manager, states letter was received on XX/XX/2019. However, no statement of effort was made in the reply about where the money went or what PNC Bank is doing to find the lost money besides Mr. XXXX stating he wants to talk further over the phone. The correspondence received from Mr. XXXX, dated XX/XX/2019, doesn't ask about what other details they may need, if any ( which we already provided to his colleague over the phone anyway ), or, again, what they're doing to resolve our concern. 

It appears my mother was a victim of elderly fraud and we hope PNC Bank has an ethical responsibility of helping my mother who's an U.S. citizen with limited-English proficiency. 

Any help is greatly appreciated in closing this matter in our favor. 

Thank you for your time and consideration. XXXX bless!
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-27
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. (NC)

In 2020, I received a statement of settlement and account paid in full from both XXXX and XXXX, XXXX. Despite my attorney reaching a settlement and paying the requested {$2000.00} both companies proceeded to file delinquent charges of {$4800.00} against my credit report. I have submitted a dispute and attached documentation from both companies verifying settlement and account paid in full to Experian yet, this credit bureau refuses to update. This delinquent charge is still showing on my credit report and adversely affecting my ability to purchase a home for my family. Any help with this stressful issue would be greatly appreciated! 
Best regards, XXXX XXXX XXXX
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have maintained accounts at BOA for many years and wish to have fees reversed relating to my account. I am a former XXXXXXXX XXXX that has been in XXXX XXXX before XXXX during and after the pandemic. During the height of the pandemic the schools were shut down and I had no means of income. I was stuck in XXXX XXXX with no means of money, food and had to rely on charity from the XXXX XXXX XXXX of XXXX XXXX. I ultimately did the unimaginable by using my passport as collateral to support myself in time of need. The situation was in need of stitches instead of a bandaid. I had no money to pay back the loan that I took on my passport. I had no other choice but to call back home and ask for assistance. Unfortunately, the assistance was unable to recover my passport due to the fact that I was paying interest on the loan. I then had to consult an attorney which cost me another significant amount of money which I did not have. However, I begged for funds from my retired fixed income parents again and while funds were being deposited in my account the withdrawal fees limited my ability to receive the complete amount that was deposited. Overdraft, XXXX, moving money from savings to checking and Viceversa as well as speaking to customer service agent fees all have cost me a lot of money during the time I was there. Not to mention the fact that I was threatened with eviction because of the non-payment of rent in which I attempted to withdraw the funds from an ATM that did not dispense on XX/XX/XXXX. A claim that was never resolved. I understand that BOA provides special services for the military, but what about Civilians who are Ambassadors of Goodwill representing AMERICA. I feel that BOA owes me for pain and suffering as well as monetary loss. 
since I've lived in XXXX for four years and had to rely on deposits made by my parents there has been tremendous fees usually the money was deposited during the first of certain months and I would make my way to the ATM but the following is a sample of fees toward the end of the month : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The proceeding were amounts charged for just two weeks before I had the ability to return to America
Consumer complaint received 2021-12-15
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)

My Transunion credit report showed Account Name XXXX XXXX XXXX XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Balance {$3800.00} As of XX/XX/XXXX Opening Balance {$2800.00} Closed Date XX/XX/XXXX However, I looked the loan up online and it said the loan was taken out in XXXX and paid in full in XXXX.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act XXXX  FCRA ), the Fair and Accurate Transactions Act XXXX FACTA ) and the Fair Debt Collection Practices Act XXXX  FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot XXXX XXXX legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SYNCB/LOWES XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

Hello, I started using Coinbase long time ago, all of the suddent the frozed my account. 
They asked for my ID 's, I summited my ID 's a few weeks ago, my account still frozen. 
I have contacted them and open a case, it looks like they are playing with me. 
Im a legal resident of the U.S.A, I summited all my ID 's, they have no reason to keep my account frozen, please help, I need those funds. 


XXXX Thank you, XXXX XXXX