davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

I had a discover credit card. I reported unauthorized charges. Discover did not take my report to them seriously. No investigation was done and they just charged off my account. I paid off tge charge off and now they have black listed me. 

Discover did not protect my account, they damaged my credit and now theyve black listed me. 

Please investigate as it appears I was scammed by discover
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (OK)

Hello, The following situation occurred since XX/XX/2021. 

XX/XX/2021 : I sent virtual currency assets from the app XXXX XXXX to the online exchange Gemini.com. Gemini received my XXXX UNI ( uniswap asset. ) This same day, Gemini confirmed the transaction. 

XX/XX/2021 : On Gemini.com I sold my XXXX XXXX for XXXX. This XXXX balance is, as of writing, still on my Gemini.com balance. I then see that Gemini.com and their XXXX app do not allow me to send my XXXX balance to my bank accounts as a XXXX transfer. I use both XXXX XXXX and XXXX ; either allow me to receive USD or EUR currencies ( with respective instructions. ) I follow these instructions as per Gemini, XXXX, and XXXX, and am unable to withdraw my XXXX balance because it doesn't match the default balance of my USD XXXX XXXX account. 
I email Gemini support : I am a customer of Gemini. I just sold my XXXX on Gemini, and now have a balance in EUR euros. I would like to send this EUR balance to my bank account ( XXXX XXXX XXXX, whether in EUR or USD. I am using the Gemini app for this. I add my XXXX XXXX bank account via Plaid, but afterwards XXXX XXXX doesn't stay as a payment method. I really need my money in my XXXX XXXX bank account please so I can pay my bills. 
Gemini sends me an email that they have received my support request / note. 

XX/XX/2021 : Gemini emails me that a test money transfer of {$1.00} has processed. However, at this rate it is too late to access my account. I am unable to access my Gemini account because it uses 2-factor authentication to message my American phone number, which I lost access to in the past few days. I can log into my Gemini android app, but I can not change 2-factor authentication there. I can not log into Gemini.com for the website 's full features of sending EUR to my XXXX or XXXX. 
I email Gemini support that they are holding my EUR balance without a response for 7 days, and that I am unable to access my Gemini account due to 2-factor authentication. 

Please, I must receive my money in a timely fashion. I must pay my bills. On XX/XX/XXXX, I will relocate to XXXX. I will have a new phone number there of course. I need access to my EUR balance on Gemini, whether it means sending EUR to my bank or converting Gemini EUR to . Thank you
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (TX)

Dear Credit Reporting Agency ( XXXX XXXX or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
COLLECTIONS XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} On time XXXX XXXX XXXX {$3800.00} On time XXXX XXXX XXXX {$1900.00} On time AD XXXX XXXX XXXX {$320.00} Needs attention HIGH XXXX XXXX XXXX XXXX {$190.00} Needs attention XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2021-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dyck-O'Neal, Inc. (CA)

I was told by my 2nd mortgage company XXXX XXXX XXXX or XXXX  XXXX  that they sold my loan to Dycko'neal that my balance was XXXX that my first payment with them was going to be on XX/XX/2021 I tried to make a payment and call them. the woman that answer told me that she did not have any information on the account that it was new that they will send me a letter. 
the first letter they send was confirming the same amount XXXX but on XX/XX/XXXX they send me a letter saying that they made an error and that I owe them XXXX because of interest, how is this possible from one month to another I don't understand is this even legal not once they ask me if I was to pay the whole balance of XXXX and they never told me what interest they were going to charge if I did not pay the whole XXXX with my prior XXXX  XXXXXXXX XXXX I was paying XXXX a month no interest afterI modified my first mortgage with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed multiple times collection accounts with XXXX XXXX and Equifax that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( Synchrony Bank/Amazon ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit  bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE (  XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like XXXX XXXX from using deceptive, false, or misleading representations in the course of collecting a debt.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

THE ACCOUNTS LISTED ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NJ)

My complaint to XXXX XXXX XXXX XXXX website not answered. They call 5 times a day, & I tell them the same thing : payment will be brought fully current the next time I get paid on XX/XX/XXXX. They say ok, but then they call again & again, 5+ times a day for 2 more weeks because they cant stop the robocalls.
Consumer complaint received 2018-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co (FL)

This company called Safco has a balance of {$9700.00} reporting on my credit report I have reached out to them and asked them to validate this debt because this account is not mines and I wanted a copy of the bill of sale, the original contract bearing my signature, the date o f repossession, the date it was sold at the auction, the receipt of auction sales, and the computation of thIs balance so I can see how my name got attached to this loan/ lease, I have sent multiple letters to this company asking them for the information and also to remove the negative entry from my credit profile as per the fair credit reporting act section 609, 623, 605, 611 and 604, this company in over 90 days as not replied and still continue to verify information with the credit bureaus, whatever verification is going to the credit bureau for this account to remain I need it
Consumer complaint received 2023-01-18
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NV)

This company is collecting a debt on behalf of another company to which my name and likeness should have never been shared. 
I do not know this company to pay them, and they have wrongfully put a debt on my credit report that is not known to them as authenticated or factual evidence. Pursuant to 15 USC 1692 ( g ), neither company has sent me the 5 things that are needed to validate ANY debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate.
Consumer complaint received 2018-02-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: ORG GC GP BUYER, LLC (GA)

Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.
Consumer complaint received 2021-05-31
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. (CA)

I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2022-01-12
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

Be advised, the following company UNITED COLLECTION BUREAU XXXX INC is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. UNITED COLLECTION BUREAU , INC must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

The credit card company is still trying to collect on the debit after they sent me a 1099-C and it was reported on my taxes as income. However, they are still trying to collect on this debt and reporting it as open and late every month on my credit report.
Consumer complaint received 2021-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately, or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

Submitted 2 requests disputing my account with CITIBANK on line via XXXX Credit Disputing Services. The 2nd attempt, dated XX/XX/XXXX I wrote a letter indicating that this account was a time barred debt from XX/XX/XXXX and should be removed from my credit report because I believe it exceeds the 7 year fair credit reporting act. CITIBANK just changed the status of the account to Account charged of. My dispute report number is XXXX. Please advise. 

Thank you for your help in this regard.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was renting an apartment for my son from the XXXX XXXX XXXX XXXX and paying monthly payment of {$570.00} using Bank of America 's Bill Pay online payment service drawing out of my checking account. Eleven of the payments were paid correctly but the payment dated XX/XX/2020 was fraudulently cashed. I began the complaint process with Bank of America in XX/XX/2020. XXXX XXXX XXXXXXXX XXXX provided them with two affidavits and it took Bank of America until XX/XX/2020 to finally agree that fraud has been committed. I had to pay XXXXXXXX XXXX XXXXXXXX XXXX and have had at least ten phone discussions and five online message discussions with Bank of America but have yet to receive my refund. Some of the online discussions have been ridiculous such as saying haven't heard back from XXXX XXXX  XXXX XXXX despite them sending two affidavits and saying they found a XXXX or XXXX payment so case is closed. Those were for different months where the online checks were cashed not the fraudulent XX/XX/2020 check cash. Beginning in XX/XX/2020 XXXX 4 months ago ) the excuse became " Waiting on response from bank of first deposit ''. How long do I have to wait and why can't I have my money back. It has been 15 months since my check was fraudulently cashed. How long do I have to wait? Thanks for your help in this matter. 
XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting 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)

Hello, I have few hard inquiries on my credit file which I did not authorize and I believe those are fraudulent and I have contacted the Equifax credit bureau and sent all supporting documents. The below are the XXXX hard inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have sent FTC report twice with all supporting documents but still they are not helping to remove the unauthorized hard inquiries. 

Kindly help me to remove the hard inquiries.