davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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. (MO)

My identity has been compromised from the lost of my wallet. I've also been a victim of the XXXX  breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX {$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$920.00} 12 ) XXXX XXXX  {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. PORTFOLIO RECOVERY ASSOCIATE CLAIMING THAT ORIGINAL CREDITOR : IS XXXX XXXX XXXX XXXX. I HAVE NEVER HAD AN ACOOUNT OR NOTHING WITH XXXX XXXX XXXX XXXX I DO NOT THINK IT RIGHT FOR A COLLECTION COMPANY PUT THIS FALSE INFORMATION ON YOUR CREDIT REPORT.
Consumer complaint received 2022-08-13
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. (GA)

The Letter I sent on XX/XX/XXXX was my XXXX letter writen inrforming the Credit Bureaus that I am a victim of identity theft and I write to dispute certain information in my files resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. I scpificaly highlighted to importance of the FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I need the following items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-29
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: AMERICAN EXPRESS COMPANY (NJ)

American Express is not properly investigating a dispute I opened twice regarding an item I returned for a refund. I have documentation regarding the return and the receipt of a successful delivery / return tracking number. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX Laptop from the XXXX store which had a defective screen. Shortly after I requested a return through the XXXX XXXX and was given a UPS shipment label with tracking number # XXXX. 

With this tracking number I returned two of my defective XXXX XXXX 's, only one of which I was refunded. ( There was a third return as well, due to yet another faulty laptop on XX/XX/XXXX however that was already refunded. ) American Express seems to be getting confused due to the multiple purchases and refunds, however only 2 of my 3 laptops were refunded despite all of them being returned and successfully delivered to XXXX. 

XXXX Store Returns : NOT REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) Again, all 3 of these laptops were returned but I was only refunded for two.
Consumer complaint received 2022-08-13
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. (GA)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source :
Consumer complaint received 2019-06-04
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. (GA)

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 2018-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I requested two SEPA Euro withdrawals from Coinbase/XXXX on XX/XX/XXXX and XX/XX/XXXX for  the amounts of XXXX Euros on XXXX and XXXX Euros on the XXXX. 

SEPA tranfers should normally tak 1-2 business days but I am still waiting for the money to credit my XXXX account. I have sent countless support reuqests to XXXX and Coinbase ( they are the same company but XXXX is their more 'professional ' exchange and Coinbase is their simple front end interface ) I have nothing back from their support function apart from auto response emails. I believe this problem is wide spread as there are lots of Coinbase/XXXX customers saying similar things. The interesting this is the higher withdrawal amounts do n't seem to get processed. I have made SEPA transfer from Coinbase after the XXXX for smaller amounts which have been processed ... But the two larger payments made on the XXXX and XXXX have not been processed. So it seems Coinbase/XXXX are deliberately hanging on to the larger deposits ...
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (NY)

The business I worked for, XXXX XXXX, closed in early XXXX. No outstanding debts were due by the company when all affiliated accounts were closed with the third parties. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX, was officially contacted to close the business account. The salesman said he did close the account and that there was XXXX balance back in XX/XX/XXXX. However, after two years of the XXXX business closing, XXXX XXXX XXXX sent an approximately {$300.00} bill against my personal credit reports through Southwest Recovery Services ( collection agency ), even though the account was closed with XXXX balance and it was a business contract signed by an XXXX officer back in XXXX. Therefore, there should be no personal liability for a closed business account that all affiliated companies know was closed and was an unused credit card processing account. These companies never return voicemails and rarely answer the phone after hours of calling. When I did reach each company, they pointed to the other companies to provide information and they acknowledge the old account was unused ( and not closed properly by their own company, possibly by a salesman that didn't want to lose another account ). They refuse to close the account the right way because of the open collection attempt against me personally for monthly fees for over two years for an account that was properly closed on the side of my former business. They hide behind each of their partner companies and continue to add monthly fees for an unused account that they refuse to close the right way while the {$300.00} collections attempt is outstanding. However, even if I paid personally for a closed XXXX, they could just send another collections attempt for the additional monthly services fees for the unused account perpetually since they refuse to close the account the proper way in their systems.
Consumer complaint received 2019-06-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: eMoneyUSA Holdings, LLC (MO)

The company sends texts and emails multiple times a day. I assume they are trying to call but they use shady phone number spoofing tactics. 

I have asked them to stop contacting and harassing me and they just ignore the requests repeatedly. I attempted to tell them I refuse to pay and still constant contact.
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (LA)

On XX/XX/ I asked World Finance to Validate the debt that they have been reporting only credit report, as of today they have not responded. 

On XX/XX/ I sent World Finance a second letter Disputing the accuracy of their reporting. The account is being reported as a charged off every month resulting in the date of delinquency to be refreshed in the credit bureau system. In addition this account is also showing a past due amount even though it is charged off. Final the amount due continues to increase although this account is charged off. Please correct me if I am wrong but I feel that this is a violation of my fair reporting rights. 

This company has refused to respond to my mail request and verbal request are told that I have to pay the debt to have the account properly reported.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I have been trying to get a copy of the statement or bill since XXXX of XXXX. I was working on my credit report and noticed in XX/XX/XXXX there was a bill for Wakefield & Associates. I disputed it right away. It kept coming back so I called in XXXX of XXXX. They told me they were a collections company for a medical bill from XXXX XXXX 's for my daughter back in XXXX and they believed I had reached the insurance statute of limitations. My daughter insured during that time through government-provided insurance and I advised that I needed a copy of the bill because I was homeless at the time. Wakefield said they could not send me a copy f anything verifying the debt and I would have to reach out to XXXX XXXX 's. I reached out to XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX and they are denying me a copy of the bill because they sent it to the debt collection in XXXX. I can get this filed through my daughter 's insurance and pay the remaining balance, but I can not if no one will give me a copy of the bill.
Consumer complaint received 2020-11-27
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. (TX)

I have disputed this items several times. They are unable to provide me with my signature, pay history, and ID that was used. 
This is a collection agency XXXX  XXXX
Consumer complaint received 2021-10-14
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. (TX)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2020-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX 1- XXXX XXXX  on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX status closed charge-off {$3100.00}
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IA)

I opened a checking and savings account with Chase at the very end of XX/XX/2020. For doing this, I was given an offer where I would receive {$600.00} if I deposited {$15000.00} in the savings account and received a direct deposit in the checking account within 90 days of account opening. My direct deposit was supposed to go into the account on XX/XX/2020 but Chase had already closed the checking account ( they say this is due to 60 days of no activity in the checking account ). They are telling me they can't re-open the checking account and I no longer qualify for the {$600.00} offer they advertised. Since Chase closed my account due to lack of activity, my paycheck from work is now delayed because it has no account to be deposited into. Furthermore, Chase is now refusing to give me the {$600.00} offer for opening these 2 accounts. Why would they close the checking account prior to the 90 days I had been allowed to receive my first direct deposit? I want the {$600.00} offer because I did everything according to the offer and I want reparations for them delaying my paycheck.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 or XX/XX/2020, I went to the XXXX  car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX XXXX Visa Credit Card ) charged me late fees and minimum interest charges on the following dates : {$17.00} ( Late Fee on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$35.00} ( Late Fee on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), and {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ). The creditor failed to mail me billing statements since XXXX of XXXX. I have attempted to contact the creditor to obtain a refund of all the late fees and minimum interest charges caused by the late fees but the creditor only credited me {$35.00} on XX/XX/XXXX. The creditor must credit me for {$23.00} and remove all negative information they reported to all credit bureaus. Failure to provide the credit and remove the negative information will result in legal action in small claims court. 



Please Note : I have never signed up for electronic statements. I have not been receiving my statements and because of that I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. If Synchrony Bank ( XXXX XXXX Visa Credit Card ) disagrees with this, please provide proof that you sent out the credit card statement for all the periods since XXXX of XXXX and that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt.
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (TX)

On XX/XX/2020 or XX/XX/2020, I went to the XXXX car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX  or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (GA)

I do not have a debt with this company. I have sent in multiple debt verification letters to no avail. I demanded that they stop reporting invalid information on my credit report and they continue to do so.
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I sold my vehicle to XXXX on XX/XX/2021. My vehicle lease title is held through Toyota financial services. Toyota financial services received full payment for the vehicle on XX/XX/2021 from XXXX. I faxed all required paperwork to Toyota financial services as well. I've repeatedly called Toyota financial services about the status of my loan termination. Every time I call, they tell me that they don't understand why my title is not released and that they will escalate my issue and get it resolved. Meanwhile, it is XX/XX/2021 and my title is still not been released out of my name. The account still shows full balance owed. I have had to continue making payments, while they hold the check for the full balance owed. I am on my wit 's end with this company and have no idea what other actions can be taken.