davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX 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 did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2021-04-01
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: AMERICAN EXPRESS COMPANY (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. American Express Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (TX)

On XXXX, I received another call from D2 Management wanted me to take a message for XXXX XXXX which one of many calls. They are calling me on my cellphone and not the home phone. Any creditor I have does not have access to my mobile phone number. 
The last person I spoke to was asked to remove my phone number and to cease calling me. I called spoke XXXX-to phone to request a cease and desist with the phone calls. I told her I do not give my mobile number to any creditor nor anyone else but family. She says so you are XXXX and continued to ask how they got my phone number ..she says youre only making it harder on yourself and we will get you. After threatening me, XXXX hung up in my face so I call back for an address. She placed me on while I was talking then came back to phone. I told I would file the complaint through an agency. I do not owe anything to any creditors nor do I owe any money to a debt collector.
Consumer complaint received 2021-08-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. 
And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc. (VA)

I have received a notice from First National Collection Bureau which was delivered to the wrong address which i have received very late and immediately contacted the bureau by phone and told that i am not aware of any case in any court and did not receive any notice and warrant in debt and details of debt prior to or after filing of the case or copy of the judgment which they claimed it has been placed with them. I requested them to furnish me the copy of the judgment and who filed the case in the court and the party from whom they purchased the right to collect the debt and after first agreeing to furnish the same email address XXXX did not send it and when i contacted them again they advised me to contact XXXX XXXX XXXX XXXX and find their contact information from their website instead of transferring the same to me. I denied their claim and said that i will take legal action. 
please take suitable action against XXXX XXXX  as i suspect something suspicious is going on.
Consumer complaint received 2023-01-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

I've sent my Payment Coupon, a form of legal tender that should have been credited to my mortgage account. I have not received anything in writing about why my payment has not been credited even though I've requested it many times. The mortgage holding company and the past mortgage company continue calling me telling me a coupon is not a coupon or a form of payment. I've attached definitions and some laws to back my case. If you don't provide logical and legal answers, meaning no opinions, the alleged debt is to be discharged immediately.
Consumer complaint received 2022-02-18
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: CITIBANK, N.A. (AZ)

I am re-opening/resubmitting my recent complaint on this issue as it remains unresolved and has actually gotten worse due to Citibank Shell MasterCard company's actions.

My original complaint read:
I disputed two charges on my Shell Mastercard with this company in XXXX 2021. One charge was for XXXX and the other for XXXX. The one for XXXX  was supposedly resolved in my favor per the letter I was sent by CITI. However, its still showing up in my balance on the account. T
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

My name is XXXX XXXX. On XX/XX/XXXX, a new account was added to my credit report by AMSHER COLLECTION SERVICES for {$1100.00}. I have no knowledge of this account so on XX/XX/XXXX, I disputed the account online with XXXX and XXXX. I have disputed this account twice and it still hasn't been removed. I contacted the collection agency today to dispute the account and the representative stated, which I also have a recording, that the account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. But looking at what's on my report it's showing no payment history in XXXX at all. So I do not understand what's going on. Seems that the collection agency doesn't even have knowledge of who the account belongs to being that the dates she stated over the phone don't even match up to what's reported on my credit report.
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

I rented an apartment 2 years ago. When I cancel my contract I gave the 30 days notice that stipulates in my contract. We vacated the apartment on XX/XX/2019. But paid the month of XX/XX/2019. Anyway. They sent me a letter stating that they were going to used my initial deposit for cleaning purposes and whatever was left they were going to send it in a check to my address. Two years after they called me trying to get money from us. I talked to the collection agency and showed them the final letter of what I paid. Anyway the apartment complex didn't want to give me a copy of the money order for the last month. My credit was impeccable until this happened, I don't know what else to do to prove that I have not debt anymore.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

I have been trying to get my money from my coinbase account for almost two years. I sent them countless amounts of tickets and they have closed every single one of them. It was only today that I received an email from them saying that they decided to close my account and that my funds needs to be withdrawn. My account is now in the process of closing but I can not withdraw my funds. When I try to do that it says this : You are currently unable to send Bitcoin. Please contact support.

I sent in another ticket about that message and not being able to withdraw my money from my account. They have never even replied to ANY of my support tickets so I don't know how I'm going to contact support over this withdrawing issue.
Consumer complaint received 2023-01-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

VENMO ACCOUNT OPENED IN MY NAME USING EMAIL ADDRESS XXXX. REQUEST TO CLOSE ACCOUNT WAS SENT XXXX XXXX XXXX. INSTEAD, VENMO RESPONDED WITH CHANGING THE EMAIL ADDRESS WITHOUT BEING PROVIDED A DIFFERENT EMAIL ADDRESS TO CHANGE THE ACCOUNT. NOTIFIED ANOTHER VENMO REPRESENTATIVE THE ACCOUNT IS FRAUDULENT AS NO ACCOUNT ACTIVITY EXISTS AND THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT IS INCORRECT. MULTIPLE ATTEMPTS HAVE BEEN SEEN TO FEDERAL AGENCIES NOTIFYING OF IDENTITY THEFT AND THE REPORTS JUST SAT IN THE QUE. ATTEMPTS TO ACCESS PROTECTED FUNDS MAY NE ASSOCIATED WITH FRAUDULENT ACCOUNTS IN ROYAL MEMBER NAMES OR INDIVIDUALS GIVEN PROTECTED STATUTES.
Consumer complaint received 2020-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

I called the phone payment system on XX/XX/XXXX ( XXXX ) to make the monthly payment. The system verified that the stored account information was correct. I was able to make my payment over the phone through the system. I realized on XXXX that my payment had not posted to my account. I called the same number on XXXX and the system stated that I owed 2 payments. I talked to the representative who stated that the system was changed on XX/XX/XXXX and should have not allowed me to make the payment but there was nothing that she could do. I made the 2 payments on XXXX. I called back on XXXX and spoke with another representative who suggested I file a complaint through fico.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

At the beginning of this year the bank began charging overdraft fees retroactively. I received overdraft fees for charges that were not overdrawn. The bank has not refunded any of the fees. A savings account that I had was suddenly closed without notice. I've since notified the SEC about the fraud, involving this bank and third party entities, after numerous small charges and itemization began appearing on my account, beginning in XX/XX/2019. Chase bank has further removed the online option to dispute any charges, and requests that such disputes are placed in writing. A relative that holds a Chase account has now also been targeted in a similar way by this bank.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I do not remember this account and I have been writing Experian to gather why they are reporting this account and they have yet to provide a response. The just send me a credit report but no additional information.

I have been trying to get to the bottom of this account and see whats happening with my credit. The only bureau reporting is Experian and I have attached an image showing this.

Why is Experian showing an account that I don't know of and ignoring my investigation requests. I need help with CFPB to obtain the procedure that Experian followed to legally protect my consumer rights. 

I requested to be provided with a description of the specific procedures followed by you, including the name, address and telephone number, of who you contacted in order to verify the information that I had previously disputed previously and that you responded had been verified. 

This procedural request is made pursuant to FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and is sent via CFPB for tracking and legal enforcement.

Pursuant to FCRA, Section 611 ( a ) ( 7 ), Experian is required to provide that description and specific information to me no later than 15 days of my request.

They have already failed to provide me with the lawfully requested description and information within the timeframes specified by the FCRA and obviously must not have received the adequate proof as verification from the creditors that would have allowed you to verify the disputed information.

Therefore, please delete from my consumer file, and this time I am not requesting a reinvestigation, I am requesting deletion of these items, as required by the FCRA.

Also please have Experian provide me with a new copy of my consumer file, reflecting these deletions, to the above-listed address within the next 15 days.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21, the same day my grandmother died, there were two {$140.00}, one {$500.00}, and two {$80.00} ATM withdrawals taken out of my account. When this happened I received a phone call from a person pretending to be from Wells Fargo. The man told me my account was hacked, and wanted to sign me up for a new secure service through Wells Fargo, where at that exact time I gave him my information, the money was taken out of my account. Most of this money was apart of a federal grant from XXXX for my education. These withdrawals happened at XXXX XXXX XXXX  XXXX in XXXX XXXX CA at an ATM with the ID XXXX when I was at my home in Northern, CA, nearly 10 hours north. These withdrawals were fraudulent and I was scammed. I am a struggling XXXX  XXXX  and I expressed all of this to Wells Fargo, where I filed a claim about these fraudulent charges. At the same time I also filed a police report with the XXXX County Sheriffs department. Wells Fargo denied my claim, even though the sheriff department classified the case as fraudulent, because I authorized the charges on my phone. I did not know what was happening when I received the scam phone call, my grandmother died on that day, I have the death certificate, and I did not understand what I was authorizing. I also received {$410.00} in overdraft charges, which I had to pay, even though I did not make the transactions that caused the overdraft fee. Wells Fargo told me that I originally would not have to pay those, but in the end I did. I have been completely scammed out off nearly {$1300.00}, and that is a lot of money for a broke XXXX  XXXX.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (GA)

Last XX/XX/2021, I sent letters to these credit reporting services to dispute inaccurate items on my credit report. They have been continuously reporting these items that are unknown to me for a while now and if I hadn't checked my personal credit profile two months ago before applying for a personal loan, I wouldn't have known about these derogatory items in my profile that are catastrophic to my credit score. 

It has been over 60 days since I sent them my dispute letters, and I have not received a single response from either one of them. I was already upset because I had to postpone my loan for two months since I need these items removed immediately and my credit score updated, but now, I feel like I am being ignored and taken advantage. This is in violation of the FCRA. Section 611 ( a ) plainly states that a failure to investigate any items within 30 days will result to the immediate removal of those items from my credit report. It has been well over 30 days, so they should have been deleted 30 days ago by law. If these accounts will not be deleted immediately, I will file for litigation against them in their violation of the law.
Consumer complaint received 2021-07-02
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. (FL)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (FL)

My name is XXXX XXXX and I been having a lot of Identity Theft with my Socila Security # I been more than 2 weeks trying to close accounts that I never oopen and some other cards that they been duplicate and used by another person.It 's been an nightmare it looks I can't control people using my information from me .It looks someone stole information from my mail box.