davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 2022-10-03
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$1100.00}
Consumer complaint received 2020-04-25
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)

XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

I would like to make complaint on PNC Bank regarding a allotment that was going to a incorrect account and the XXXX Branch and XXXX, OH customer service number can not see or pull up. I receive a letter from the Branch which state that account is not a PNC Bank Account. The allotment was withdrawal from mine personal pay check and I 'm getting the run around.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (FL)

This company says I owe XXXX for XXXX XXXX XXXX. I lived in XXXX, XXXX and XXXX does n't serve the area of XXXX I lived in. 

I 've tried to have it verified, but all I get is this for a answer. 

Credit Protection ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Cable/Cellular ; Client XX/XX/XXXX ; Amount {$360.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$360.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Physicians & Dentists Credit Bureau (WA)

after pulling my report from XXXX noticed a large debt that was reporting different amounts on the credit bureau and i was never contacted that was not paid by my dentist office. explained to the creditor i was not aware of this debt. was not given any info but told me the amount to pay was XXXX for a XXXX debt that accrues at 1 % a month not paid. i cant pay what i do n't know i owe if any. my dentist office agreed to accept the balance from a non profit which they talk to and confirmed on the phone. i 'm not sure why XXXX family dentist did not contact me to say they did not receive the pledge promised years ago. i contacted them today XXXX/XXXX/16 and was told they kept the debt in their office for 1 year before sending to collection. they had my address and phone number but chose not to contact me. i informed them that this would roll off my credit shortly but i did not know about this until now. i was too sick in the past to worry about this kind of stuff because i have a home health aid who is suppose to make sure all this kind of stuff is taken care of. i 'm disable and not able to handle things like this and on XXXX of only {$1000.00} a month from SSA.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: U.S. Collections West, Inc. (AZ)

they called on XX/XX/XXXX in reference to an old debt. they offered a settlement. I was unable to agree to settlement. XXXX then told me if i am refusing to pay so he can continue legal route. I said at this time i ca n't do the settlement due to amount they are requesting within 5 days and I asked and sent them a cease of communication notice. He called again on XX/XX/XXXX to my place of employment. On a recorded line on my company 's end i requested to XXXX not to call us at work and told him i would call him from my cell phone. I called him on my cell phone and again requested for him to stop calling us. I told him that we can not due the settlement they offered us and I do n't see the point of them continuing to call and harrass us. He ended call by saying good luck and hung up. they also called XXXX ( my work number ) they also called 1 of our store locations XXXX
Consumer complaint received 2022-10-03
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-01-29
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC (WI)

Began calling monthly about 5 months ago. Payment is due on the XXXX and statements are normally received that day or after and mailed immediately. They refuse to send the statement earlier requesting payment be made by phone or Internet for a fee. Payments have never been past the XXXX grace yet they continue to call. Called me at work this month and I told them I was reporting it.
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (OH)

during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later XXXX XXXX contacted me by phone ask me to pay the JCPenney bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from JC Penney or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that XXXX XXXX is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that XXXX XXXX is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from JC Penney that shows I owe any money to them.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of identity theft and I have advised the company the account was opened by the person that stole my identity. After several attempts of disputing this with the credit bureaus and contacting them directly they still say I am the one that opened the account which is completely false. I have requested copies of all documentation on the account and they have failed to provide this information. I am currently working with a lawyer to resolve this issue as well. I just need to clear my name from this company.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My wife has a shopping addiction. She has run up credit cards in my name. Ones that I did n't know I had. The worst is capital one. I took {$10000.00} dollars out of my 401 so I could settle that dept. then I find another for {$5000.00}. They stop credit on that card but still send us applications for new cards. I feel they target people like my wife and it reall XXXX Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX while researching possible rental apartments in XXXX, XXXX my wife contact what she thought was a 2 bedroom 2 bathroom apartment and asked for more information. After learning about the apartment I researched the realtor and found him to be a legitimate XXXX  realtor. I went to the bank on the morning of Tuesday XX/XX/XXXX and wired the funds to the account they had directed the money to be sent too.

We then contacted our bank US Bank where we had initiated the wire and spoke with the Branch Manager on the afternoon of XX/XX/XXXX. We notified them this was fraud and took the steps necessary to open a fraud case. After they opened the fraud case they said they would not know until Wednesday Morning XX/XX/XXXX, whether they were able to stop the fraud. After checking my bank account to see the money had been taken out. We contacted the wire department and spoke with the case investigator who started that wire fraud is not handled by the FDIC anymore and that we are out the money. We did ask what they were doing to contact the other bank and was told they sent a message and would wait to hear back. The other bank involved is a bank called XXXX XXXX in XXXX.

We spoke to the FDIC at this point to clarify whether wire transfers are covered or not. We were told they are no longer covered by the FDIC and to speak to the consumer protection board and file a complaint against the bank. We are filing the complaint as we are extremely concerned about the negligence that the investigator has shown.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I have had a very difficult time with US Bank. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. US Bank always seemed to lose my paper work, which I constantly had to re fax. It also took over 4 months to issue me a repayment plan, which is pure fraud. Absolute smoke and mirrors dysfunctional game of fraud. After 4 months of being in review US Bank issued me a payment of {$2000.00}. My old payment was {$790.00}, and my gross monthly income is {$3600.00} per month. After 4 months it is very clear US Bank did not do my underwriting correctly or actually read my letter of explanation pertaining to my income. Based on my income can you legally give me a payment of {$2000.00}?
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (FL)

I opened up a Gemini account on XX/XX/XXXX providing the required documentation such as the Drivers License and verifying my bank account. I was subsequently able to transfer {$1000.00} from my bank account into the Gemini account, which then was traded for XXXX. XXXX was sold subsequently at a loss for {$930.00}. Since then I have tried to withdraw my money from the Gemini account and have been unsuccessful. I was able to transfer money but now they will not let me with withdraw to the same bank account. 

This has now been un-going for one month - Gemini support will not respond to me, and my account continues to be in the " getting verified stage ''. I want access to my money and for it to be returned to my bank account. 

Gemini - Opening date XX/XX/XXXX XX/XX/XXXX - E-mail confirmed, Bank account verified stating funds can be transferred into the Gemini account. 

XX/XX/XXXX - {$500.00} transferred from Checking to Gemini XX/XX/XXXX - XXXX  purchase for {$500.00} XX/XX/XXXX - {$500.00} transferred from Checking to XXXX XXXX Second XXXX purchase for {$500.00} Message stating bank transfer limit has been reset to be able to deposit up {$5000.00} XXXX - XXXX sold for {$930.00} - deposited into Gemini account XXXX to XX/XX/XXXX Attempt to withdrawl {$930.00} to bank account unsuccessful - states " verifying account '' XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE They did respond to a XXXX message, but the XXXX account is not associated to my account and the e-mail address used. In this response they only stated that I should send a message from the e-mail associated with the account - which I did and they did NOT respond. 

I want access to my funds, for them to be returned to my bank account, and the Gemini account closed from there
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NY)

In XXXX XXXX I signed up for a Costco membership. To pay at Costco you had to sign up for an XXXX XXXX XXXX, which I did. In XXXX customers were notified that Costco had terminated it 's contract with XXXX XXXX and the XXXX XXXX card would not be valid at Costco anymore. Since I already had an XXXX XXXX for work, I did not renew the Costco XXXX card or my membership at Costco, my membership at Costco expired XXXX. In early XXXX I received a Costco CITI visa card and on the back was the picture I used when I signed up at Costco for the XXXX XXXX. I did not request Costco to issue this new Citi Visa card. I have kept the card but I have not used it or renewed my membership at Costco. I am writing to you so while you are looking at XXXX XXXX for opening unwanted accounts, you may also want to check into what XXXX and Costco are up to. Thank you for your services.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: H. Kent Hollins, Attorney at Law, P.A (CA)

Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages.
Consumer complaint received 2016-11-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (IL)

I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MA)

I received a statement fro Convergent Outsourcing, Inc. claiming that they were collecting an overdue balance of {$45.00} from XXXX. I googled Convergent and found other people who have been scammed in the same manner. 

I am a XXXX member and I reported this event to them. They suggested I contact the FTC.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

ON XX/XX/2020 AT XXXX EXPERIAN RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION XXXX I NEVER RECEIVED A RESPONSE FROM EXPERIAN. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO EXPERIAN.COM/UPLOAD. ON XX/XX/2020 I RECEIVED AN UPDATE FROM EXPERIAN THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED XXXX XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE XXXX DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.
Consumer complaint received 2021-04-21
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. (UNITED STATES MINOR OUTLYING ISLANDS)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX XXXX b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NY)

On XX/XX/XXXX at XXXX am I was notified by email that there was a login to my Chime account from XXXX from an XXXX device. 

I do not have a Chime account. 

On XX/XX/XXXX at XXXX am I received an email welcoming me to my new Chime account, asking me to set up direct deposit. 

I replied to XXXX and let them know I did not sign up for a Chime account. 

On XX/XX/XXXX I received an email letting me know that a Chime XXXX XXXX XXXX is being shipped to me at my home address, but that purchases can be made through the app while the physical card is on its way. there is no phone number in any of the emails to call Chime. 

I did not sign up for a Chime account. 

I have tried calling a few chime customer service numbers I found on the internet, but I have not been able to speak with a human. I want to cancel this account. I did not sign up for a Chime account.
Consumer complaint received 2016-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ECMC GROUP, INC. (PA)

I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.