davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION (OR)

I have had an account with Umpqua Bank for over 10 years now. During that time, the ONLY ACH payment I have had taken out was for a mortgage company. The same payment every month for years. When I opened my statement yesterday ( Sunday ) I saw that Umpqua Bank had honored an ACH payment for XXXX XXXX XXXX XXXX for {$9800.00}! 
I called Umpqua 's fraud department only to be told 2 hours later that they called XXXX XXXX XXXX and were told that I in fact did have an insurance policy with them and that they had my info. I HAVE NEVER HAD XXXX ANYTHING! 
Umpqua directed me to XXXX XXXX and provided their number. 
I spent another 2 hours on the phone with XXXX only for them to tell me what I already knew. I have never had an account with them, and I wasn't anywhere to be found in their system! They said that they only had 4 charges for the amount of {$9800.00} company-wide from XXXX until the end of XXXX All 4 of those transactions were paid for by other customers and none of which used ACH, and none of them had anything to do with me. They told me to call Umpqua Bank back and let them know that it wasn't them that did an ACH on my account. 
I called Umpqua Bank back to let them know what I had been told by XXXX XXXX. XXXX, the representative with Umpqua Bank told me that yes, there has been a scam going on with companies phishing other known companies and this was happening to their customers accounts by way of ACH withdrawals. 
This never should have happened to my account! They should have filed a XXXX report. This was definitely a case where this activity is completely out of the ordinary for my account! Any form of irregularity in the spending pattern of the account holder is supposed to trigger a fraud alert. When I mentioned this to XXXX, he said that his department didn't handle that part of it, but that the automated systems in place are what should have caught it. 
I am beyond upset about this! This is not right! 
Now I am being told that the fraud department has 10-12 days to research it and that I might get my money back. MIGHT??? I should be given all of it back now and they can finish doing what they need to do to make sure this doesn't happen to another customer. I trusted them with my funds. They never should have honored this fraudulent charge!
Consumer complaint received 2024-09-16
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. (NV)

RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I sent {$110.00} USD to a person using the XXXX app ( similar to XXXX ). 

The person I sent it to did not accept the funds. Thus, the transaction was cancelled. 

Despite that, the funds were withdrawn ( debited ) from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I successfully sent the funds ( XXXX ) ( settled in my bank account on XX/XX/XXXX ). 

I contacted Chase in XXXX, and they said XXXX needed to refund me. 

I contacted XXXX, and they gave me a series of unique identifiers to show they they reversed the transaction, and that the cash should have never been taken from my account. You can find these unique identifiers within the attached. 

Chase recommended I file a dispute. As such, I did so on XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that my dispute was denied. 

I called chase, stating XXXX recently provided a letter ( on company letterhead ) detailing the unique identifiers that show the transaction was reversed, and I should get my cash back. 

Chase told me that I needed to fax in the document. I did so on XX/XX/XXXX. 

I called chase numerous times, including ( but not limited to ) XX/XX/XXXX. On XX/XX/XXXX, they confirmed they received the documentation I submitted. They advised me that I would receive an email and a text after the faxed documents had been reviewed. This can be substantiated through the recordings chase has of our numerous phone conversations prior to XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I called XXXX  to check on the status of the dispute. Both times, agents advised me that the documents I faxed in HAD NOT been received. 

Thus, I am filing a complaint CFPB complaint, as Chase is giving me conflicting information.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (FL)

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXXXXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2022-09-21
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)

Transunion remove this account at once I used the Government web site and filed a fraud report FTC and filed it with CFPB that all I have to do they refuse to respond That is all I have to file by law, XXXX XXXX XXXX sold the account I await your response to CFPB
Consumer complaint received 2024-09-15
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts : 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 has violated my rights. 
I looked at my TRANSUNION credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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 2021-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Commencing on or about XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via Credit card and bank transfer, and through an intermediary named XXXX in the total amount of XXXX CAD utilizing your services.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

On XX/XX/XXXX2021, I sent a Notice of Validation to the Fox Collection CenterXX/XX/XXXXto validate the information they claim I owned in the amount of {$350.00}. I requested a copy of my signatures on a HIPPA form, giving Fox Collection Center permission to review/access any of my medical information. Fox Collection Center responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. Not only did they submit the unverified/unvalidated information to the bureaus, they submitted the same collection on my account twice to XX/XX/XXXX and XX/XX/XXXX. So, the debt appears as two separate debts.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (GA)

I transferred funds from my personal bank account into this US-regulated crypto exchange, GEMINI, no problem for that. Then, I bought Bitcoin on their platform, no problem either. 

Then, I asked to withdraw my BTC, and the platform doesn't allow me to do so. I tried several times, from computer and phone 's app. 

On XX/XX/2023, I sent their support an email. Initially I got an answer saying " I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps '' ( From XXXX ). 

That was very first and last email. Never got back to me, although I sent more follow up messages in the next weeks. 

Finally on XX/XX/XXXX I got an answe from another representative, this time XXXX. He said basically the same XXXX said a month earlier. Now, it took 3 more weeks for his next response. 

On his last email, XXXX basically said to me that I can't withdraw the bitcoin I bought on their platform, but I can sell it and withdraw the XXXX. 
My simple and humble question : WHY? 
Why I can put money into their platform and buy crypto without any problem and then I can't withdraw? 
Why they promise on their platform that I can buy crypto and withdraw as soon as my money is confirmed, which happened in a matter of couple of days, and then it's all a lie? I can't withdraw my crypto.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AL)

The utter incompetence, irresponsibility, and unaccountability shown in handling complaints by absolutely choosing to ignore my previous letters sent earlier in 2023. 
They ought to have analyzed and distinguished thereafter between what XXXX be normal activity and that which might suggest an illegal enterprise. This is an ethical standard of industry practice that plays a substantial role in preventing criminals from liquidating and laundering the public 's funds.
Consumer complaint received 2023-08-24
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 (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 Section 602 states that I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account under an open a consumer plan as late for any other purpose.

Also, according to The Cares Act it prevents companies from reporting late payments to Credit Bureaus. 

The late payments were posted XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 and XX/XX/2021
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

My credit was pulled by a 3rd party and they stated a bankruptcy appeared on my credit report. I would like that bankruptcy removed off my credit due to I obtain a letter from the bankruptcy courts stating they never report information of any source to credit bureaus.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I. { PFS } reported to the Credit Bureau, XXXX a derogatory item of medical debt on my credit report before the date of the validation letter dated XX/XX/XXXX. XXXX has reported that { PFS } submitted the derogatory item on XX/XX/XXXX, irregardless of any time to determine if mailing was undeliverable. Upon further review on XX/XX/XXXX, I obtained a periodic copy of my credit report through { XXXX }, a credit reporting and scoring company the noticed the debt placed for collection on XX/XX/XXXX. Also noted in the COMMENTS section, is a false, deceptive, and a misleading representation, where { PFS } placed a designation that ACCOUNT INFORMATION DISPUTED BY CONSUMER, and which I could not had been on record of disputing any issues or items, when a validation letter was not even noticed or mailed before XX/XX/XXXX. 
II. { PFS } is attempting to collect a debt where it, or the current creditor is not assigned or expressly authorized by the agreement creating the debt, and offered no proof that they have the legal right to collect the alledged debt, during the period beginning XX/XX/XXXX. Current billing records obtained from XXXX, a contracted provider of { XXXX } to store patients medical and billing records, requested by me on XX/XX/XXXX, provides that { PFS } or { PCPLLC } has not supported they can legally collect the alleged debt, and has refused to offer any proof when requested multiple times. 
III. { PFS } is attempting to collect a debt where it used false, misleading statements and instructions in there XX/XX/XXXXXXXX  validation letter, implying that I would receive an accurate verification of debt ; by the furnishing of proffered documents and records, before negative information was provided to credit bureaus. They have unreasonably refused to verify accuracy of the debt. 
IV. { PFS } is attempting to collect a debt where it is clear there has been a billing error. I was not notified of the alledged debt until on or after XX/XX/XXXX at the earliest, where { PFS } in its validation letter dated XX/XX/XXXX, is using a different billing address used by the original creditor and the current creditor. Evidenced by the copy of { XXXX } alleged original billing statement requested by me from XXXX on XX/XX/XXXX ( invoice date XX/XX/XXXX ), and the { PCPLLC } verification letter dated XX/XX/XXXX, both use the same unknown billing address. The alledged original billing record from the XX/XX/XXXX billing period, includes a now due date of XX/XX/XXXX ( invoice date XX/XX/XXXX ) .This copy indicates that there is no payment due. If the alledged debt is determined owed by me, the reporting to any of the three major credit bureaus should not commence until a required wait period from the time I was first notified that the medical bill had become delinquent. 
V. { PFS } is attempting to collect a debt where it has not provided a copy of a contract or other document evidencing an agreement of debtor.
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-04-02
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

The debt collector in question is : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX I called to address multiple outstanding invoices, because I am trying to repair my credit. The representative on the phone took my information. He took my credit card ; he didn't explain that he was " settling '' the debt instead of paying it in full. 

The creditor marked the account ( s ) as " settled '' and there is now no way to remove them from credit.
Consumer complaint received 2024-09-15
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I recently received a copy of my TRANSUNION credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THESE ACCOUNT Accounts : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy 709 ) of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Thank you XXXX XXXX