davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

CYBER CRIME : In the summer of XXXX, I was a victim of Identity Theft. PayPal ended up enrolling me without knowing how or why, I was enrolled, only to discover unexpectedly I actually had an account opened for me. In XX/XX/XXXX, I received a bill from PayPal alleging I owed {$7.00} for an XXXX ride. I contacted them and disputed the bill. They investigated and alleged the bill was truly mine. I never signed up for this PayPal Credit, given them any info, and now have a balance in my name and in collections. I did not open this account, nor should my name be any part of it. I demanded PayPal close the account as it was fraudulent. In XX/XX/XXXX, I received another bill. I called PayPal again and disputed the bill again informing them again that I was a victim of Identity Theft. I was asked to file a police report which I did. The report was faxed to XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, I received another bill from PayPal. I have been trying for months to have them resolve this. It is impossible to use their ticketing system, their phone operators are useless and rude, and it has been a total nightmare to remove this credit account from my name. I was told to fax the report, that it would be resolved in 3-5 business days. No resolution. I have gotten nothing but bills. You would think this company would be proactive about fixing their mistakes. Besides the effort and lack of communication, the worst part of this, is that the lender they are reporting I owe the money too has no record of this debt/credit account! Synchrony corrected the other accounts that were fraudulently affected by this theft but PayPal refuses to solve this issue. Had they completed an accurate investigation, this matter would have been resolved a long time ago. I will be seeking compensation due to their negligence. Payments have never been made as this is a fraudulent account. The Customer Service representative erroneously read notes to me while on the phone that " someone '' has been calling in to make payment arrangements yet they will not disclose info to me.
Consumer complaint received 2021-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2019-06-05
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. (MI)

XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a METHOD of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (MA)

Kraken Support Ticket : ( # XXXX ) # Complaint # I am a customer of Kraken ( www.kraken.com ), a digital asset exchange. ( Note : Kraken ( www.kraken.com ) is a XXXX registered corporation under the name Payward Ventures , Inc., XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ) On XXXX XX/XX/2021, I withdrew XXXX Bitcoin  ( XXXX Withdrawal Ref-ID : XXXX- XXXX ), equivalent to approximately {$4100.00} at the time, directly from my Kraken account to a destination Bitcoin address provided by XXXX , a different digital asset exchange. 

Unfortunately, the transfer to XXXX failed and I was informed by XXXX Support that my Bitcoin was automatically refunded to Kraken. 

When, after a few days, I did not see the refunded Bitcoin appear in my Kraken account, I contacted Kraken Support on XXXX XX/XX/2021. Kraken Support created a ticket ( # XXXX ) and forwarded the matter to a specialist Support team that handles refund issues. 

Over the course of several months, I have exchanged numerous emails with the Kraken Support specialist team trying to resolve case ( # XXXX ) and get my refunded Bitcoin returned to my account. In addition, I have provided all the information that Kraken has requested of me so that this matter could be resolved in a timely manner, including verification from XXXX of the refund as well as the Bitcoin transaction id of the refund, both of which XXXX kindly provided. 

Most recently, I was told that this matter would be escalated a second time to a Support manager who would contact me shortly, however the Support manager never contacted me. 

It is now nearly 3 months and I have heard mostly excuses about the complexity of Krakens internal wallet processes, and received only vague and indefinite information about when and if this matter will ever be resolved, and no assurance that my Bitcoin assets will be returned to my account. 

Over the course of my email exchange with Kraken, I have been told the following at various times : I can confirm it's currently with a batch of other clients returned deposits. We locate & credit these funds in batches. 
Our developers are working on recovering the funds, but this will take some time. 
But even if we decided to recover the funds, we can not make an estimate about when your funds might be recovered. 

This matter is simple and straightforward. Due to a transaction error, funds that I withdrew from Kraken to XXXX were automatically refunded back to me. At Krakens request, I provided verification from XXXX that a refund to me had occurred as well as the Bitcoin transaction id of the refund.

Kraken acknowledges that the refunded Bitcoin was returned to a Kraken wallet and hence Kraken is in possession of my refunded Bitcoin. I respectfully ask this Agency to help me obtain the following from Kraken : 1. A written commitment from Kraken that Kraken will return my refunded Bitcoin to my account 2. A clear timeline and date as to when my refunded Bitcoin will be returned to my account
Consumer complaint received 2021-04-09
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. (IN)

I have several accounts that were not mine. Not even my name. Transunion, XXXX  have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies XXXX  and transunion keep saying verified. XXXX has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a XXXX XXXX that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.
Consumer complaint received 2019-06-06
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (GA)

On the XX/XX/XXXX, I was approved to finance {$9000.00} with Lendmark Financial through dealer XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. The original total for the Trailer {$13000.00} ( including taxes ), in which a payment of {$4900.00} was applied. This brings the total to {$9000.00} financed with Lendmark with APR of 20.999 * ( 21 % ). I reached out to Lendmark Branch manager XX/XX/XXXX to request a payoff amount, after making 2 months payments of {$240.00}, totaling {$480.00} and I was advised {$9100.00}. I inquired on the calculation used to determine this amount and I have received a calculation nor a response. General APR of 21 % calculation, with a loan amount of {$9000.00} equals {$230.00} for a term of 2 months. My issue has been escalated XX/XX/XXXX to the District Manager, who advised " I will return your call today. '' I have not received a callback as of today XX/XX/XXXX a week later. I have made multiple contacts to reach the District Manager for clarification. I am concerned about why {$9000.00} with an 21 % APR with a 2 month term is {$590.00}. Please assist and provide an explanation. Please note per general APR calculation of 21 % on a {$9000.00} loan amount and term of 2 months total {$230.00} interest. I am disputing a difference of {$350.00}, Please clarify.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

My dob XX/XX/XXXX, not XX/XX/XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address
Consumer complaint received 2021-06-24
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)

XXXX, Transunion, and XXXX  is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning XXXX XXXX # XXXX.
Consumer complaint received 2019-06-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BTH Management (CA)

I took a loan from XXXX at the end of XX/XX/2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XX/XX/XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " XXXX XXXX '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in XXXX XXXX and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to Plaza Services LLC in XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that  they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

I got a credit report notification notifying me about a debt collection from XXXX XXXX XXXX, which Ive never opened an account with. They are charging me and are effecting my credit that is not even mine in the first place. I had no card sent or anything like that, it just showed up on my collections when I logged into my credit wise.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have attempted for nearly 1 and a half years to have Experian, either permanently block a XXXX  XXXX XXXX Fraud account that had been blocked for 2/3 years and then randomly had a file split and lost numerous accounts in Good standing including XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX etc. The XXXX XXXX XXXX account was removed in XXXX and subsequently remerged without notification from Experian as required by law, in XXXX. I have at least 29 reports in the interim period that show the account was removed and further one that even says after reviewing and contacting the furnisher along with the police report we've determined the account was fraudulent. Fast forward to XXXX and these scumbags won't even acknowledge what the heck changed. I have said before the facts will be on my side, and they rely on this asinine notion that I will not file a lawsuit, but time after time they have seen first hand ( XXXX XXXX when consumers do sue IN FEDERAL COURT, and win! The recent Supreme Court case authored by XXXX XXXX strikes at the heart of developing jurisprudence surrounding the irresponsible invective that Experian who routinely breaks the law will be held account. Not only with a less sympathetic United States Supreme Court, as XXXX XXXX and XXXX have always given preference to State Courts ( The CRAs are terrified of this and routinely believe transferring to federal court gives them a leg up, how misguided with a new originalist court itching and having already in the words of XXXX XXXX whack a mole, to the notion of Federal powers over State ) what is just as damning is the complete take over by the Democratic Party in the United States House of Representatives, and with members like XXXX XXXX itching to pound Experian and XXXX  and Republicans in the Senate too wanting the same ( Senator XXXX, and Senator XXXX XXXX they are playing a stupid game. I was a victim of identity theft and under penalties of perjury and criminal action I filed the reports, including one with the Internal Revenue Service, I then sent Experian a XXXX package with the information and they deleted it until they didn't and now they won't EVEN EXPLAIN WHY IT WAS REINSERTED AND WHAT BASIS THAT WAS UNDER ASIDE FROM CONTACT THE FURNISHER, MO THE LAW SAYS YOU NEED TO AND THEN REPORT BACK AS TO WHAT CHANGED. THIS ISN'T A DISPUTE UNDER THE FCRA ITS A FACTA BLOCK REQUEST. I DEMAND THEY REMOVE IT!
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

This is a follow up of closed complaint # XXXX Sunrise Credit Services is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. 

The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Used to rented invitation home in XXXX FL for 4 years from XXXX to XXXX with no any payment issues. Unfortunately have to exit before contract expires due to help relative in XXXX. Notified property manager about this unexpected event and got ok from them. After a few months surprisingly and shockingly I discovered collection on my credit report for {$11000.00} from invitation homes. Don't receive any note or letter from invitation homes at all about their intentions to send us for some reason to collection. What kind a practice is that. Need help on this case, thank you
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

Over the past 2 years I have earned a significant number of miles from CitiBank related to their partnership with XXXX XXXX XXXX XXXX. Of the miles I have earned, I recently received notice from XXXX XXXX that XXXX of these miles will now no longer be usable due to a termination of my XXXX account. These miles are valued at approximately {$20000.00} if bought directly from XXXX XXXX. XXXX XXXX asserts the reason for my termination was due to " Exploitive Practices ''. As essentially all of the miles I have gained have been a result of the partnership offered by CitiBank through their Credit Card, CitiBank is at fault for the " Exploitive Practice '' used to obtain these miles. CitiBank awarding the miles to my rewards account with XXXX XXXX is the direct reason my account was closed by XXXX XXXX. As CitiBank awarding these miles is the reason I am no longer able to utilize the miles, I believe CitiBank should provide an alternative award instead of these now useless airline miles. The bank essentially marketed a credit card rewards incentive to me that, when awarded, would result in the reward incentive being taken away. This is deceptive marketing and should be investigated.
Consumer complaint received 2022-01-09
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. (IL)

XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX  that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling mr their product so this remains inaccurate
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, non was produced. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. 

American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. 

I have attached these proofs to show American Express unlawful conduct.