davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: POPULAR BANK (NJ)

on XXXX/XXXX/2016 I used the ATM machine to deposit cash something happened that the only deposit credited to my account was {$680.00}. {$1200.00} was credited to another account, the transaction between the receipts attached are only 3 mins apart. I asked my bank to help me solve the issue but the branch manager 's reply was " you picked up another ATM receipt trying to get credit for money that is not yours ''.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by " XXXX '' which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm. 

Coinbase refused to help me on this matter.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

I applied for an XXXX XXXX XXXX which is issued through XXXX XXXX. Mind you I have two other open and active accounts with XXXX that are both in good standings. I've had them for many years. Supposedly, according to XXXX XXXX XXXX, my report is pulled from XXXX, however there isn't an inquiry on there. I later found out my consumer report was provided by a company called SageStream out of XXXX XXXX, CA. Never heard of them. They reported the following false information which is absolutely absurd to be used for credit worthiness decision purposes : Limited history of consumer at this address Date of issuance of applicant 's SSN does not match date of SSN of peers Limited history of consumer at application phone number Point # 1,  people move all the time. People buy/sell their home. People move from one rental property to another. This should not be a factor against someone. In my defense, I just bought a house. 

Point # 2, what does this even mean? I've had my SSN since the day I was born. Where in the world did they pull this ridiculous information from?! 

Point # 3, I've had my cell phone number for so many years. Why would a phone # even be a determining factor for approval?! Doesn't make any sense. 

Someone needs to really look into SageStream. To me, they come off as a fraudulent company. They have poor customer service practices and only refer you to their website. They will not assist you over the phone. The lady I spoke to stayed quiet the entire phone call and kept repeating I refer to their website which asks for your SSN. 

I am highly surprised a company such as XXXX and XXXX XXXX use SageStream for consumer credit reports. This is SageStream 's information : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for an American Express XXXX XXXX Card and was told there would be no fee the first year. I never received or activated the card, but began receiving bills for {$95.00} per month the annual fee. I have called this Company multiple times to complain and each time they have promised me the account is closed and the {$95.00} fee has been reversed. Each time that that has proven to be false. This seems very similar to how XXXX XXXX took advantage of consumers. 

I am requesting that the account be closed. The {$95.00} fee be reversed and an ethics complaint be filed against American Express as they clearly do not have the internal procedures in place to remain in compliance with consumer finance. The refusal by this organization to provide me written notification of the status of my request is against the Fair Credit Reporting Act.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I opened a Best Buy account on or about the end of XXXX with a minimum payment of approximately {$27.00} due monthly on an interest free purchase for 24 months. However, since opening the account, I sent consistently and monthly sent a payment of {$100.00} until my last payment of {$150.00} was paid in full. All payments were sent via XXXX XXXX Bill Pay monthly with the last payment on XX/XX/XXXX. After sending in my last payment, I received another invoice in XXXX reflecting a late fee of {$27.00} charged to my account. In XXXX I received another invoice with the past due balance of {$27.00} late fee plus a second late fee of {$29.00} making it a total of {$56.00}. Within the last two weeks, I have been getting daily calls from Citicorp regarding the past due late fees not being paid. Today, XX/XX/XXXX I spoke with a rep at Citicorp about this and he stated that I should call Best Buy to resolve this issue. However, I did write and explain to Customer Service at Best Buy on XX/XX/XXXX explaining the exact issue mentioned here. No one from customer service has responded to this matter. Yet I continue to get harassing calls on a daily basis regarding my account being past due. It was paid in FULL when the last payment of {$150.00} was sent on XX/XX/XXXX via XXXX XXXX Bill Pay and posted on XX/XX/XXXX as reflected by Best Buy in their last invoice to me received XX/XX/XXXX. In my letter dated XX/XX/XXXX sent to Best Buy I requested my account be closed and that the late fees be credited off my account. Best Buy previously stated that the payment was received one day late. It was received and posted on XX/XX/XXXX, by Best Buy but sent by XXXX XXXX on XX/XX/XXXX via EFT bill pay. Best Buy stated to me that it should have been paid by XX/XX/XXXX. One day late and I am being harassed to pay them late fees now. It appears that late fees are continuing to accrue monthly on an account I paid in full in XX/XX/XXXX and that no one has responded to my written correspondence sent to Best Buy, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I'm being ignored and harassed for late fees on a closed account which was paid in full and which payment was received in full one day late per Best Buy. It appears they are continuing to bill me late fees monthly. Is this legal?
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XXXX the XXXX 2019 I mailed XXXX XXXX XXXX in regards to account number XXXXxxxxxxx. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$500.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report Delete account number XXXXxxxxxxx from my credit report across all three credit bureau agencies.
Consumer complaint received 2024-02-10
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. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abbott Osborn Jacobs PLC (PA)

On XX/XX/XXXX I received my pay check and noticed a GARNISHMENT XXXX, I was not notified by my employer or Abbott Osborn Van Vliet PLC nor was I presented with a judgement. This debt collector is from XXXX XXXX Iowa a city I havent lived in in 10 years.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MT)

I have had a credit card with XXXX XXXX XXXX for over 10 years with no late payments. I got this credit card when I was still working in Florida and in good health. 
Now I am on XXXX due to XXXX XXXX, XXXX XXXX issues and only XXXX XXXX issue. I only receive about $ 1100 monthly. XXXX XXXX XXXX was charging me 22 % interest. I talked with them twice this week about reducing my interest rate. They did reduce the interest rate ... but only to 21 %. My current balance is about {$3300.00}. 
The interest they are charging me is way too much for my current income. I do not want to file bankruptcy! I only want XXXX XXXX XXXX to reduce my interest rate much more than they have. This would help me pay the debt I owe to them. 
As it is now, I can not make ends meet. 
Please help me resolve my dilemma. 
Thank you so very much for your time and consideration ...!!!
Consumer complaint received 2016-02-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

I have requested validation of debt that was reported to XXXX credit bureau 's without any validation of said credit. I have disputed this account with the credit bureau 's and I have sent written requests to the collection agency to validate this debt. The collection agency has not validated debt nor has the collection agency made any attempt to contact me in writing or by telephone regarding this collection. I have not received a judgment, signed a contract to pay, negotiated any payments or simply acknowledged or received any correspondence regarding this collection. I have contacted the credit bureau 's and this collection was removed from XXXX due to collection agency not validating nor verifying the collection.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management have contacted my parents by mobile telephone numbers they obtained by searching my address online. They informed my father XXXX XXXX XXXX that he owed a debt of over {XXXX, and that a payment needed to be made to avoid a complaint from being filed and credit being ruined. My mother received a phone call asking if she was my wife and to confirm information about a loan that was issued.
Consumer complaint received 2022-08-17
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

On more than one occasion Synchrony Bank has inadvertently reduced the limits on my store credit cards from XXXX XXXX XXXX XXXX to go despite me paying over the amounts due and never being 30 days late on these accounts. They have done this and have severely impacted my credit score in reducing my credit card limit saying I am a hazard and Im not. This bank has continuously done this to customers in a middle of a pandemic lowering their credit score and increasing their credit utilization while not not providing any justification for their abrupt actions. I am reporting synchrony bank to the FTC and my state attorney for predatory billing practices and ask that CFPB investigates this throughly
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.
Consumer complaint received 2023-05-11
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. (AZ)

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-06-16
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: Bliksum, LLC (CA)

I just received an email from Loan Me in XXXX, CA for Application for Credit Denial dated for XX/XX/2019 for a loan i never applied for. I immediately called them and said I never applied for credit with you guys last month, after speaking with the representative I asked to go back in his system on XX/XX/2019 and tell me what representative from Loan Me authorized my credit report to be pulled, assuming they would have that information, he declined and said his system doesn't show it. Their system doesn't show who was assisting the client on XX/XX/2019, are you kidding me? All the information is done over the phone and they can't tell you who you were speaking with or who was handling your personal information. Now I have another inquiry on my credit report for a loan I never applied for and Loan Me can't tell me who authorized to run my credit report on XX/XX/2019. Sounds like the representatives are running credit reports on people without getting there authorization to fill a quota requirement. I will be filing a police report today.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

We closed credit card account with Citi Bank in XXXX XXXX. Their customer service confirm the closing by email and asked us to wait for the final bill to make the final payment. We did not receive the final bill hence paid the last bill received from Citi Bank ( late XXXX XXXX ) as Final payment. Citi Bank then sent an e-mail asking for late fees which we are disputing for past 4 months.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc. (AZ)

I have a {$3000.00} bill from a early move out, 10 years ago, XXXX from collections west has harassed me, my family, all of my employers even threaten to jail my old boss just two weeks ago, they threaten your family members, they run your credit as if you are applying for credit with them to mess up your credit. he told me I'm lying about my XXXX XXXX XXXX son being killed kus he served him back in 2016 when he was just XXXX smh. I told him he cant serve a minor. I have filed bankruptcy due to his harassing calls an threating to come to my house, even when I'm not home. like I got XXXX daughters an after laying my son to rest my nerves are shot. this man stalks me like a XXXX ex. 

MY MOTHER HAS ASKED HIM OVER 20 TIMES IN THE LAST 2 YEARS TO STOP CALLING HER IM XXXX I DONT LIVE AT HOME WITH MY PARENTS. THIS MAN IS OUT OF CONTROL ... ... TO THE POINT I FEEL LIKE I SHOULD GET A RESTRAINNING ORDER ON HIM.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.