davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (IL)

I opened an account with Gemini on XX/XX/2021 and Ive been waiting to get verified ever since. Ive been able to purchase crypto currency on their app, but I havent been able to withdraw it because my account isnt verified. I have sent an email to support back in XX/XX/2021 because they said it would take at most 2 weeks to get verified. So I didnt receive a respond to my XXXX XXXX email until XX/XX/2021. Im hoping to get verified on there because I find it unfair that I can buy assets but not withdraw or sell them, it has been almost 2 months and its starting to get worrisome. It feels like they are stealing my money.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you making an effort to update and repair some of the data on my credit report, but there is still an account that needs to be fixed. The Credit Bureaus must verify this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that this disputed account will be fixed as soon as possible XXXX XXXX
Consumer complaint received 2021-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RR Resource-Recovery (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX SS # XXXX I'm disputing a medical bill that was covered by XXXX I did not have a problem getting the other 12 bills removed because they had also been covered by insurance but they will not remove this I have wrote called and went to the hospital it is RR Resource Recovery, L {$2000.00} XXXX XXXX XXXX I would appreciate any and all help time and XXXX took on the matter thank you XXXX XXXX
Consumer complaint received 2020-11-09
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. (OH)

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, XXXX and TransUnion. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (AR)

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SENDING WRITTEN ONLINE EMAIL ABOUT IM HAVING DELAY PROBLEM ISSUES WITH & FINANCIAL BUSINESS COMPANY GOES BY THE NAME OF INGO MONEY INC SO I CAN EXPLAIN MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUES IM HAVING REGUARDING INGO MONEY INC OFFER CHECK MOBILE CHECK DEPOSIT SERVICES SO IN ORDER FOR U TO CASH & VALID CHECK ENCLOSE THRU THEM U HAVE TO HAVE VALID ID FORM SURCH AS STATE ID CARD PHOTO ARE DRIVING LICENSE ID CARD THEN U MAY HAVE TO UPLOAD PHOTO COPY BACK IN FRONT OF ID CARD PHOTO IN ORDER TO CASH SMALL BY USING INGO MONEY INC PROCESS FEES IS TOTAL AMOUNT XXXX DOLLARS EVERYTIME IF U NEED FUNDS THAT SAME DAY POSTED CREDIT INTO YOUR CHECKING ACCOUNT DEBIT CARD NUMBER SO INGO MONEY INC SO BLOCK PERSONAL ACCESS FROM ALL OF MY ENTIRE FAMILY MEMBERS GOES BY THE NAME OF XXXX FAMILY RESIDENT CAN NOT ACCESS THE INGO MONEY APP TO CASH A CHECK BECAUSE INGO MONEY ARE SAYING THEY FOUND FRAUD TRANSACTION GOING ON BY ACCESSING MORE THAN ONE PER CHECKS TRANSACTION PHOTO COPY AMOUNT WHO EVER WORK FROM INGO MONEY INC SECURITY TEAM LOOK LIKE TOO ME THEY ARE NOT FOLLOWING RULES & RUGULATION OF PRODUCT FINANCIAL SERVICES CONTRACT AGREEMENT BETWEEN THE BUSINESS AND THE CONSUMER CUSTOMER FINANCIAL POLICY ACCOUNT SO I CAN PROVIDE ALL THE PHONE NUMBER TO INGO MONEY INC CALL CENTER CUSTOMER DEPARTMENT XXXX XXXX INGO MONEY INC BUSINESS EMAIL ADDRESS XXXX XXXX so ingo money business inc has previous close my ingo money mobile check deposit account out WITHOUT TELLING THE CONSUMER CUSTOMER I HAVE RECENT SPOKE TO TWO TO THREE DIFFERENT SUPERVISOR AT INGO MONEY INC CUSTOMER SERVCIES CALL CENTER
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX XXXX : Transunion use an account that was closed and part of a bankruptcy case to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was unfair discrimination, retaliation behavior in a recent dispute on my credit report and this action Transunion did was not reasonable. In comparison to a recent change to my credit report with this agency I paid down a credit card account significantly. Transunion didn't increase my score fairly as to the same magnitude and fair as they did based on how they decreased my credit score. I feel this type of action on my credit report was discrimination and negligent. They failed to exercise proper care or taken action that is reasonable in regards to my credit information in which that is negligent, retaliatory unfair discriminant behavior. 
Negligent Violations Willful Violations
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony closed 3 of my store credit cards that they issued. Rooms To Go credit card, XXXX XXXXXXXX XXXX card and most recently Discount Tire card. I was in good standing with all 3 cards. The XXXX XXXX XXXX card was closed XXXX in XXXX or XXXX after making all payments on time. The XXXX card they closed was the Rooms To Go card which I made all payments on and was in good standing. I had that card less than a year starting in XXXX to XXXX and they closed it in XXXX for no reason. The Discount Tire card was closed by Synchrony in XX/XX/XXXX. I had that card about a year, maybe less than a year. I was in good standing and used that card twice. I made all the payments as well. Never missed. These XXXX XXXX hurt my credit. I had good enough credit to get the card but then when they close it XXXX XXXX XXXX  and causes my credit to go down because I still have a balance but no credit available so my credit card usage goes up which effects my score negatively. Synchrony is a terrible company and very ruthless with what they do and how they treat people. They are still making money from me but hurt me and my score which effects my ability to get better interest rates. I can't believe how horrible Synchrony treats their customers who are making all payments to them on time and do not miss. I will tell everyone I know and post on social media, post on rooms to go, post on discount tire and any other social media pages of how Synchrony bank treats people. It seems Synchrony only uses people and cares nothing for people or their customers.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NJ)

in XXXX and XXXX someone called purporting to be a debt collection company. and said I owed {$340.00} on purchase I did not make and know the phone number they nothing about. they keep calling and playing the same recording. its interesting that they BABBLE their name very quickly and I can't understand them : accounts receivable XXXX XXXX XXXX. or something like that. the phone calls are annoying and even harassing. and no additional information is offered by the caller to explain what this is all about. the phone number they give is XXXX.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX Account number ending in : XXXX Wells Fargo case number # and complaints # : XXXX. XXXX claim # on XX/XX/2023 XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Police report # XXXX Police Department # XXXX is attached. 

To whom this may concern at the CFPB, I filed a claim on XX/XX/2023 that was over 1 year and 4 months. 
I had my Wells Fargo ATM card on my XXXX and XXXX XXXX  account. I never used these accounts. I only used my XXXX XXXX time to pay for listing photos for my business. I came back from vacation XX/XX/2023 went to pay bills and I noticed I had money missing. I went through my Wells Fargo transactions and I noticed my XXXX and XXXX was hacked. I immediately filed a claim with XXXX, XXXX, Wells Fargo . 

Because there are XXXX charges on my XXXX XXXX totaling {$19000.00}, XXXX XXXX  account was hacked. XXXX is the one that told me to call my bank and file a fraud claim and XXXX deemed it fraud. I have spoken to over a 100 people with in XXXX XXXX andWellsFargoand no one will help me get my money back. I have filed numerous complaints and have spoken to so many people. 

WellsFargodeemed one of the charges FRAUD on XXXX XXXX letter is attached. 

All of my bills, credit cards plus interest and late fees and now Wells Fargo is suing me for {$10000.00} on my Well Fargo Credit card Case Number # XXXX, plus it goes on my credit report negativity, my car payments and late fees, my daughters school, and the IRS now has a lien on this account because I was supposed to pay them with the money that was taken out of my account. 

I have lost business over this and clients over this matter because I have not been able to pay things because of this money was taken out of my account and I am having to chase down Wells Fargo, XXXX and XXXX to get my money back. 

This has Destroyed my credit I am so emotional distort over this and my stress is so high it is causing me health issues. 

I am request your help to get my money back and damages. 

I notified the FDIC which told me to contact the OCC @ XXXX, OCC took my complaint and then told me to also contact the CFPB @ XXXX in which I filed a complaint. 

I have attached all documents and emails how I have tried to take care of this. 

I need someones help please. 

Thank you XXXX XXXX XXXX email : XXXX Phone : XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (MI)

I received a text on XX/XX/16 demanding I click on a link. I don't know who they are or who they represent and I'm not comfortable clicking on a strange link. They contacted me and have not validated the debt of their own accord as they are obligated to within 5 days.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (GA)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (UT)

I was doing some credit monitoring and noticed an agency on my report. The agency name is Stellar Recovery Inc out of XXXX, FL, the # listed XXXX, reporting for {$67.00} the original creditor was not listed. I called to inquire about what this was about and was advised this is a debt from XXXX form XX/XX/XXXX after being transferred twice and this is a debt I have never seen before that showed up on my credit report XX/XX/XXXX. It did not state a creditor just the third party collection company ( Stellar Recovery ). I advised them I had never received notice of the debt. I was not notified by mail, phone or even e-mail. I did advise I was going through a divorce but still had the same telephone number, ( which they verified with me that they had on their records. ) They told me they sent notices XX/XX/XXXX, to which I was then told had come back with a bad address. However I still had never received any phone call in those 5-6 years. When I was speaking to them about they did advise they had the correct telephone number but I still yet to receive a phone call. I advised that I am willing to pay this debt but due to the fact that I was not notified I would like this deleted off of my credit report. I was told by XXXX different agents that they will not do this. I asked to speak to a supervisor, XXXX XXXX got on the line and advised me that the loan can only recalled from the original creditor to be deleted. I asked him if his company reports to credit he stated yes, they also collect for XXXX, however refuse to delete the credit when I was never notified of the debt. ( His direct line is XXXX ). I called the original creditor XXXX. They advised me that the do not report to credit. That they will recall this debt. I am in limbo this matter, I have worked very diligently to restore my credit to have a {$67.00} account listed in collections and the company refuse to go by the FDCPA and the FCRA.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

When my old XXXX XXXX XXXX  XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/2023 stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/2023 which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/2023. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/2023 and this was subtracted from my checking account on XX/XX/2023. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXXXXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the XXXX XXXX XXXX.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (TX)

I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

Today I received a phone call from a ( XXXX ) XXXX and it was a recorded message stating that they were calling to attempt to collect on a debt. I listened to the prompt and held on the line to speak to a representative. The gentleman asked for my name and account number. I advised him of my name and stated that I was not aware of the debt and do not have an account number. She states the last XXXX digits of my cell phone number and asks if I am aware of this account. I say that is the last XXXX digits of my cell of and he hangs up on me. So I call back and speak to another person and he states that the call was in regards to a debt with US Bank. I tell him that I have settled this debt with another collector as of XXXX/XXXX/2015 and have documentation to prove it. He states to call him back and his name is XXXX XXXX at ( XXXX ) XXXX ext XXXX. So the number and ask to be forwarded to him but I placed on hold for a very long time and do this twice. I called again and spoke to a lady and stated that I have the documentation to show that it has been paid. She expresses that once I served I can take that paperwork to the judge to have them dismiss it. 

I have never received any letters or previous notices from this company or the " law firm '' they claim to represent. So I called US Bank to see if they could be any assistance and they stated no because they sold the debt to another agency and to speak to the agency that I paid. At that point tried to call XXXX XXXX at ( XXXX ) XXXX. That number is disconnected and the website is no longer active. This is a XXXX time that I have been contacted by a agency or law firm regarding this debt. The last time was on XXXX/XXXX/2015 by XXXX ( XXXX XXXX XXXX ).
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When my old XXXX XXXX XXXXXXXX XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/year> stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/year> which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/year>. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/year> and this was subtracted from my checking account on XX/XX/year>. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the credit union branch.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank closed my CareCredit account, which was paid in full at the time, due to making a credit inquiry and determining that my income was insufficient to keep the account open. This determination was made without them reaching out to me to get any form of update for my income, since it has been more than six months since the account was opened. Additionally, I had no avenue to dispute or appeal the decision, even though my account was in good standing and I had never missed a single payment on the account. This is a predatory practice that will negatively impact my credit score. The nature of the card is to help make medical care affordable, so it is natural that I would not need to make regular purchases on it, and instead of leaving the account open to see if I use the card or would struggle to make payments, they closed it without warning. When I called to ask, since the letter they sent me via email wouldn't download, I was given the hard runaround. I am beyond unsatisfied with this behavior from a major creditor.