davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (CO)

On XX/XX/2023 Equifax posted a hard inquiry on my credit report from XXXX XXXX XXXX. 

I do not know XXXX, I never submitted ANY application for a loan / mortgage / or ANY type of credit. It seems that someone used my information. 

XXXX backs up my version- they do not know me, they do not have my information, nor they were able to identify or locate any account in my name or SSN at their institution. They clearly indicated ( in a written document, attached ) that they have NO record on file of me obtaining any products or services with them. 

I attached : 1. My Equifax Credit report - showing the hard inquiry from XXXX XXXX XX/XX/2023 2. The letter from XXXX XXXX department
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I purchased an item for {$1200.00} from a private seller using paypal 's " goods and services '' service, which promises protections from scams and fraud. Immediately after the transaction, a dispute was opened under my account claiming that the item had not been delivered. The dispute was closed XXXX minutes later. I did not file this dispute. It is my belief that the seller exploited a security flaw in paypal and posed as me while opening and closing the dispute ; I have no way to prove that, but I know that I didn't open it. 

The seller provided me with a tracking number with a delivery date of XX/XX/XXXX ; though the tracking number shows the item as delivered, no package arrived. When I contacted the seller, he blocked me and deleted the listing. 

I then contacted paypal and tried to file a dispute. After XXXX weeks and nearly XXXX hours on the phone, I've been told that as the initial dispute was already closed, another dispute can not be opened and that once a dispute is closed no protections apply. This despite the fact that the initial dispute was only opened and closed due to a paypal security flaw. When I explained this to the fraud department, I was told that their internal records showed that the dispute had been opened from my account, and that nothing could be done.
Consumer complaint received 2021-04-28
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: Chime Financial Inc (LA)

I started receiving emails from CHIME on XX/XX/2021 saying Welcome to Chime. Evidently I had been approved for some type of credit card, its called a XXXX debit card. I kept getting emails daily. I NEVER APPLIED FOR A CHIME CARD. I NEVER HEARD OF IT. Then, I received the card in the mail. I opened the card and it looked legitimate. BUT I DID NOT APPLY FOR THE CARD. I called to find out what was wrong, and it would not accept the last four digits of my social and card number to ask questions/or activate. I spoke to a customer service rep. that opened the file with my social, and address and said I had an approved card. I told them I did not apply for a CHIME card. I canceled the card. I need to make sure CHIME is not on my credit report. I also want to report them to make sure this does not happen to anyone else.
Consumer complaint received 2022-01-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XXXX XXXX  is reportingXX/XX/XXXXIt is a violation to re-age a collection account How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately 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 further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-02-19
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. (MI)

In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XX/XX/XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XX/XX/XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and equifax. XXXX confirmed their information to the bureaus. My credit reports have not been updated.
Consumer complaint received 2022-01-17
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: DISCOVER BANK (TX)

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for DISCOVER BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (WI)

Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear XXXX/LVNV Funding, XXXX XXXX  , I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in Wisconsin. After a thorough investigation and consultation with legal advisors, it has come to my attention that XXXX LVNV Funding , XXXX XXXX has engaged in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of Wisconsin Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of Wisconsin Consumer Act ( WCA ), Chapter 427.104 : {$1000.00} Violation of Wisconsin Statue Chapter, 427.105 : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

I got denied a Discount Tire store credit card serviced by Synchrony Bank, which sent me a denial letter in which the reason stated is Unsatisfactory payment history with Synchrony bank. Contrary, my payment history is long and very satisfactory. As of XXXX/XXXX/23 my XXXX XXXX report shows XXXX XXXX satisfactory payment history on all of my accounts. I contacted Synchrony bank via customer service phone on XXXX/XXXX/23 XXXX CST and spoke with 3 different persons/departments, including a supervisor XXXX, all were unable to produce any unsatisfactory payment history or any further detail at all. I feel I am being treated unfairly and denied credit services for no reason or for a fraudulent reason. I also feel that my inquiry was treated poorly and unprofessionally and the companys record keeping is negligent. Please help.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

All reporting credit cards within my credit/consumer report are reporting as late/delinquent.

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.
Consumer complaint received 2019-03-07
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: BB&T CORPORATION (VA)

XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX Regional Acceptance, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against 5th 3rd Bank for Fraudulent Activity and Failure to Return Funds Dear Sir/Madam, I am writing to file a formal complaint against 5th 3rd Bank regarding fraudulent activity on my account and their refusal to return the majority of the disputed funds. 5th 3rd Bank account XXXX XXXX 

On XX/XX/24 informed 5th 3rd Bank of suspicious transactions on my account, appearing to be fraudulent activity. Without conducting a thorough investigation, 5th 3rd Bank proceeded to block my account and withheld a significant portion of my funds. I immediately requested a printout of all transactions from the date of the original phone call, along with a copy of the original conversation in question. Despite my repeated requests, 5th 3rd Bank has failed to provide me with this information, hindering my ability to address the issue effectively. 

I would like to clarify that there seems to have been a misunderstanding either on my part or on the part of 5th 3rd Bank from the initial interaction. I have provided a police report detailing the actual events that took place on the reported date to support my claim. Furthermore, while 5th 3rd Bank has returned a small portion of the disputed funds ( {$220.00} ) for transactions conducted online, they have yet to refund the majority of the funds ( {$1300.00} ) that were fraudulently used in person with the card. 

What is even more concerning is the discrepancy in 5th 3rd Bank 's explanation of how the card was used both in person and online during the same reported time period. This raises serious doubts about their handling of the investigation and their failure to provide conclusive evidence of their findings. 

I am formally requesting a full refund of the remaining disputed amount from dispute case XXXX XXXX ( {$1300.00} ) at the earliest convenience. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that justice is served in resolving this dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution and the return of my funds.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

Coinbase Wallet Swap failed First transaction fail hash XXXX Second transaction fail hash XXXX Using CB wallet conversion I converted XXXX USDc to RSR and I did not receive my RSR and now my USDc is gone Second hash I converted {$2000.00} worth of rsr to usdc and did not receive my USDc now my rsr is gone. 

Im out {$4000.00} I opened a complaint 6 days ago with Coinbase and no response. I also reached out to XXXX where the transaction takes place and they said transaction was reverted and it is a Coinbase issue. I have screenshots of the money not showing in my wallet as well.
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST FINANCIAL BANCORP (TX)

Claims to be calling from First Financial Bank ( XXXX ) XXXX Trying to Contact XXXX, but I have only had this phone for a few months and my name is XXXX. I informed them they have the wrong number and they told me I would have to pay them {$10.00} to stop calling. I told them, I would file a complaint and I didn't even believe they were with First Financial Bank. They made many strange comments and accusations such as " I stole this number from XXXX '' and what they were doing was not against the law.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted every company that did an unauthorized hard inquiry on my credit reports XXXX, Transunion and XXXX. Each one of them said that i need to contact the credit bureaus and dispute the information. I did opened a dispute with XXXX, XXXX, Transunion more than a month ago and the unauthorized information is still showing on my report as of today XX/XX/year>. 


Also a XXXX  collection account has been reporting on my XXXX  credit file more than 7 years violating the terms of the fair credit reporting act.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2021-09-01
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. (PA)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Giggle Finance Inc. (PA)

I took this loan out in XXXX and they have always given me an issue! I have had a hardship with bills increasing! They make threats and harrass people unprofessionally! I will sue them for illegal practices!
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( 1YR,8M ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, XXXX, TRANSUNION.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX  Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.